Should I reduce credit terms or increase it?

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Experian's guide to Conduct Risk

Experian's guide to Conduct RiskBuilding trust with customers and regulators

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View our infographicThe impact of rising interest rates

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Watch our webinarOur webinar shows how using economics in retail portfolio stress testing can be advantageous.

View our expert opinion

View our expert opinionThe forth dimension in conduct analysis

Patterns within customer’s behaviours can change frequently.

A missed payment, for some cases, may be the result of a technical glitch, or genuine mistake for some – whilst for others it can be one of the first signs of financial strain.

As time evolves, so does a customer’s needs and situation. As seen in Joe’s story, circumstances change – marriage, kids, employment – various daily factors and evolving milestones of life.

Extending credit borrowing to some can be beneficial in providing profit at a low risk. For others, you may want to consider reducing their exposure as the risk would outbalance the profit.

  • 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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  • 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

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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.

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  • 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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  • 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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