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Having the most up-to-date and competitive consumer offer is crucial for growth and retention.

As the UK economic climate changes, so do your customers. It is inevitable that the economic environment could have impacted your customers and out-of-date scorecards may become less predictive over time – meaning you may not have a clear picture of your customers’ current financial position.

Get a high level of customer insight by matching a huge breadth and quality of data with unique analytics, to build intelligent credit data models and highly predictive credit scorecards. By using credit scorecards that incorporate customer and market information, and future micro and macro trends, you can add further intelligence to your credit decision making.

  • 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

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  • 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

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  • Bureau Scores

    Take advantage of the vast array of data assets and analytical tools available; enabling you to make the best business decisions for growth and profit... read more

    Access the UK's largest credit database. Control bad debt, business risk and exposure by gaining a true 'customer view' by incorporating shared data from other lenders and receive accurate predictive scores for real time decisioning through a simple ranking tool for complex data.

    Our solutions help lenders better understand their customers:

    1. Credit worthiness.
    2. Indebtedness and affordability.
    3. Account management.
    4. Changing consumer credit needs.
    5. Risk of attrition.
    6. Propensity to pay in collections and likelihood of debt recovery.

    read more

  • Scorecard Review

    Stay one step ahead of emerging trends with on-going analysis of your scorecards and decision-making policies... read more

    Stay one step ahead with on-going analysis of your decision-making policies. As a result you can enhance policy and strategy rules that influence discriminating and decision-making. Accessing the latest data sources can also help prioritise business developments through benchmarking across your competitors.

    • Maximise business profitability by ensuring that accept/decline decisions on new credit applications are based on scorecards.
    • Secures a competitive edge by accepting the best customers for your product/service offers and declining unprofitable customers that are likely to require costly management intervention further down the line

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  • 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

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  • Home Move Index

    Get prior warning of which of your customers is likely to move within the next 6 months - before they tell you... read more

    Understand which of your customers are likely to move in the next 6 months - before they do. This can help you target, retain and understand likely customer behaviours to prevent bad debt. Tracing services also enable you to track customers effectively.

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