Credit Risk Management

Optimise your profitability and reduce your credit risk

Back office legacy challenges facing new banking entrants...

Posted on Nov 14 2014 by
Setting up a bank in the UK is costly, time-consuming, heavily regulated and not easy.  As a result, the dynamic, start-up culture that drives innovation in many other sectors is less prevalent within banking and financial...

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Taking on the consumer affordability challenge...

Posted on Nov 07 2014 by
The world of lending to individuals is not what it used to be.  Once a key element in creating growth, it now faces a battle on various levels from three different stakeholders - the regulators, struggling borrowers and the...

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7 day account switching – from both sides of the fence...

Posted on Oct 31 2014 by
I recently decided to take a well-known bank up on their offer of a current account with an attractive set of perks – and so I began the much publicised 7 day account switching journey. As someone with a little knowledge of the...

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Turn risk into reward by predicting your customers’ ho...

Posted on Oct 24 2014 by
When customers move house, they are far more likely to change credit provider at their new address, or even leave their old balances unpaid. To convert these risks into business opportunities, lenders need to anticipate customer...

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Build the fairest, most effective debt collections strategy...

Posted on Oct 23 2014 by
As the number of consumers struggling with debt continues to grow, institutions need collections strategies that treat customers fairly, deliver the best business outcomes and minimise operational costs. What’s more, treating...

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Are regulators now set to turn their attention to anti-money...

Posted on Oct 18 2014 by
Recent history is already littered with a slew of global scandals hinging on failures by institutions to effectively get to grips with precisely who they are transacting with. The resulting fines and levies have prompted vows...

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Turn ambition into achievement – Top 5 tips!...

Posted on Oct 17 2014 by
Jamil Qureshi shared his top 5 tips of 'turning ambition into achievement' when he presented at our last Credit Excellence Workshop It is fair to say that pretty much everyone is looking to start or stop doing something to...

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How well do you anticipate your customers’ needs and behav...

Posted on Sep 30 2014 by
One of the common concerns lenders face is knowing where their next opportunity is coming from. There is often a gap between strategic developments and time spent reviewing and trying to understand where to go next. This time is...

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How much ‘ energy ’ do you have for competitors or custo...

Posted on Sep 29 2014 by
The Utility market in the UK is evolving fast. New entrants to the market often top the best-buy lists and occupy a rapidly growing corner of the market. Why? This growth is supported by Ofgem mandates to enable customers to...

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    Latest Thinking is the Experian UK blog that provides the most recent insight into the challenges that directly affect you and your organisation, covering innovations in areas such as, marketing and customer insight, credit risk management, identity and fraud, payments and collections. For more information about Experian, visit our website.