Understand your customers credit risk

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Understand your customers credit risk

Discover how you could understand your customers credit risk, their level of indebtedness, and whether they are credit risks or customers to offer more credit to. Experian consumer credit provides comprehensive information about the credit status of individuals by combining publicly available records (CCJ’s, bankruptcy notifications etc) with credit account details received from many thousands of credit grantors. When this information is combined with our predictive analytics our clients always have a complete picture of their customers credit risk.

This not only helps to ensure you are best placed to acquire the right customers, but also have all the information you need to intelligently and effectively manage your existing portfolio.

Insight for Customer Acquisition

Below is a list of Experian's products designed to help our clients intelligently acquire the most profitable customers.

 

Consumer Indebtedness Index

The Consumer Indebtedness Index (CII) identifies individuals that are currently showing no obvious signs of repayment difficulties but who are already highly committed and, as a result, carry a high probability of experiencing payment difficulties in the near future.

 

Delphi for New Business

Delphi for New Business is a suite of highly predictive generic scorecards that can be used in any consumer credit application processing environment to assess the credit risk of new customers.

 

e-consumerview

e-consumerview is an easy to use web-based solution, which provides consumer credit lenders with access to the Experian databases in order to make consistently profitable underwriting decisions.

 

Automated Property Valuations

Access property valuations instantly, enabling you to make intelligent, immediate decisions during an applicant’s request for credit, by verifying the value of property involved in the credit application.

Insight for Customer Management

Below is a list of products to efficiently and effectively manage you existing customer portfolio, helping you increase profitability, manage bad debt and identify new opportunities.

 

Delphi for Customer Management

Delphi for Customer Management is a risk scoring tool that provides live data at individual account level, to manage each customer proactively — once borrowing — in response to changes in their credit risk scores and financial behaviours.

 

TrendView

TrendView is a segmentation tool that helps identify new opportunities with existing customers, after evaluating trends in customers’ credit behaviour on all of their credit cards and loans over a period of time.

 

Triggers

Triggers’ notification services alert lenders to changes in their customers’ financial circumstances, allowing them to react instantly to reduce exposure to bad debt.

 

Mover Alerts

Mover Alerts provides early warnings of when your customers are moving house, helping you stay in touch, send relevant communications and anticipate the needs of your customer portfolio.

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