Credit Risk Management

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Are you making the most of stress testing?...

Stress testing our consumer and commercial portfolios has become part and parcel of regulatory reporting in the aftermath of the credit crunch. With more robust stress test methodologies being required, the outputs can also be applied usefully to extract additional value across a number of other functions within credit...

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Are lenders seeing all the distress signals?...

Already well-established within the UK credit industry, data sharing has proved a highly rewarding tool for responsible lenders for more than 30 years. However, with the global financial meltdown of the past few years, access to timely, quality data from some of the UK’s largest creditors, combined with enriched...

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Big Data – big headache or big opportunity...

We live in an increasingly digital society. We shop, meet friends, research our holidays, learn and play games online using computers, smartphones and tablets. GPS-enabled smartphones broadcast our position and smart electricity meters can now broadcast our electricity consumption 24 hours a day, 365 days a...

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