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As an organisation’s business strategies evolve it is imperative to understand the impact these changes are having on the customer base.

Detailed in-house monitoring of portfolios is invaluable – but, are the results reflective of a change in strategy or macroeconomic factors and overall market trends?

Market and Portfolio Insight is a consultancy service from Experian which offers full CAIS members the opportunity to take advantage of the data held by Experian to gain a detailed view of their position in the UK financial market. It allows you to view your performance against competitors in key areas and can also show the impact of strategy changes and market conditions.

  • Market Opportunity

    This analysis provides an understanding of the lending climate; levels of demand and potential loss associated with the targeting and risk appetite of a new product... read more

    For new entrants into a vertical or geographic market, this analysis provides an understanding of the lending climate, levels of demand and potential loss associated with the targeting and risk appetite of a new product.

    Where a lender is already established, the market opportunity looks at segments of under penetration which represent profitable new business in-line with lending policy. Such insight is invaluable when designing new products, reviewing lending policy or looking for areas for growth.

    read more

  • Market & Portfolio Insight

    Providing market context against which your portfolio performance can be benchmarked... read more

    Providing the market context against which your portfolio performance can be benchmarked across a number of objectives from new lending through to collections and recoveries delivering a comprehensive review of the effectiveness of your strategies against your peers

    read more

  • Optimisation

    Safeguard, retain and grow your competitive position and engage customers by optimising the best actions, whilst simultaneously considering policies and regulations... read more

    How optimal is your customer approach? Optimise your customer contact through developing a 'what-if' scenario which can maximise performance within your customer interactions and enable a personalised strategy from acquisition through to customer management and collections

    read more

  • Scorecard & Strategy Development

    Target and maintain profitability and performance from customers... read more

    Maintain profitability and performance from your customers through the use of behavioural customer scoring which can inform individual customer management strategies - whether managing bad debt or extending good relationships.

    • Target and win the most relevant customers with suitable offers made at the right time.
    • Get a clear picture of risks to help underpin operational efficiency.
    • Maintain long-term portfolio growth.
    • Ensure regulatory compliance, competitiveness and avoid reputational damage

    read more

  • Limit Management

    Balance customer opportunities with lending strategies - offering the right credit limits, to the right customers... read more

    Balance customer opportunities with lending strategies - offer the right credit limits to the right customers.

    Determining what the best credit limit is for each customer - both at the point of application and during a relationship - is often complex. Our limit management solution maximises the value of decisions and can support both risk and operational objectives, such as profit, bad debt and exposure.

    1. Maximise the impact of decision strategies by aligning decisions with business goals and practices, enabling strategies to be set that achieve targets
    2. Achieve a rapid return on investment following deployment
    3. Get more from current resources through seamless integration with the existing systems

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  • SVR's

    Whether you are a mortgage lender or not are you aware of the potential impacts to your customers interest rates rise could have?... read more

    The combination of market and portfolio insight into current risk concentrations (benchmarked against the rest of market) , alongside our expertise in economics provide a range of deliverables to assist you in strategic planning, contingency management and stress testing.

    Our tailored solutions aim to give you the insight you need to use within your strategy and planning. Specifically providing you with:

    1. Regulation support
    2. Operational planning
    3. Risk appetite
    4. Mitigation of future risks

    read more

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