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Central to responsible lending is an assessment of customer affordability.
Having a holistic and rounded view of the right customers to target, or the right customers within your portfolio can often be challenging.
Making decisions on which customer, or customer groups, to approach and who to extend lending terms for can have significant impact on your risk and operational objectives – positively, or negatively. However, getting it right can be a balancing act between increasing your profit, managing bad debt and exposure in the short and long term.
In order to effectively approach lending, various factors should be considered. Experian offer a variety of services, some are listed below, which have been developed to help you understand how to identify and execute a growth strategy effectively.