I don’t know which customers are experiencing financial problems now, or are likely to in the future.

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Affordability

AffordabilityAccurately assess affordability

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Most of your customers will, at some point, miss a payment. But not all of these can be categorised as serious delinquent customers.

Having the ability to quickly establish can’t pay vs won’t pay, and having the operational efficiencies and strategies in place to focus resources appropriately, can dramatically reduce the cost of bad debt.

In addition to those customers who are experiencing financial difficulties it is important you have a view of the future risk of delinquency. Understanding who could experience financial difficulties in the short and long term can also add significant value within your decisioning and lending strategies from acquisition through to collections. The impact on a customers’ affordability can be seen from various factors, including economic changes.

Sound credit risk management underpins a business’ stability, growth and future profitability. With so many variables to balance, however, managing credit risk can be a challenge. Optimise your credit risk analysis with high quality data, systems and strategies to help to minimise risk while also creating new opportunities.

Whether you’re offering credit or trading with other businesses, we offer a range of credit risk solutions to optimise your profitability and reduce your credit risk throughout the entire customer lifecycle.

  • 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

  • Affordability

    Accurately assessing customer affordability is an essential requirement for any lender wanting to offer credit to those who are able to repay, whilst minimising their risk exposure... read more

    You already know how important it is to lend responsibly, ensure that your customers are being treated fairly, and offer the right product at the right time, based on a thorough understanding of a customer's financial position. Solutions include:

    1. Customer Indebtedness
    2. Income Estimation
    3. Income Verification
    4. Disposable Income
    5. SVR strategy
    6. Stress testing
    7. Economic foresight
    8. The impact of rising interest rates

    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

    read more

  • 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

  • Concentration Risk & Risk Appetite

    Gain a view of geographic, demographic and risk concentrations within a portfolio and the market... read more

    Concentration Risk provides a view of geographic, demographic and risk concentrations within a portfolio and the market. It uses a combination of a relative lending policy to the market and economic forecasts.

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  • Stress Testing

    Experian's portfolio analytics and credit economics capabilities allow us to identify key economic and non-economic influences on loan performance as a basis for robust stress testing... read more

    Our comprehensive macroeconomic forecasting capability allows us to undertake client-specified scenario exercises at a national, regional and segmented household level/ Scenario analysis can be carried out by Experian, using our own suit of models; or by clients, using desktop scenario tools built and licensed by us.

    Experian's economics can help you:

    1. Identify risks and opportunities within your portfolio to improve your risk appetite and meet regulations.
    2. Predict loan losses and capital requirements across a range of economic scenarios - ours, yours, or those recommended by your regulator
    3. Understand scenarios through detailed economic models, rather than macroeconomic assumptions
    4. Improve your portfolio's losses by reducing forecasting errors and promoting efficiencies in terms of provisioning and costs

    read more

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