credit risk management

Intelligent decisions

The right decisions can help to protect and enable people at different stages of their lives. And today, thanks to simultaneous advances in data, analytics and technology, we have the opportunity to...

Whitepaper - Jul 2020
Protecting your portfolio as the pandemic plays out

With crashing consumer confidence, a period of enforced business closures and life as we know it very much changed, the coronavirus pandemic has created huge shifts in underlying borrowing...

Whitepaper - Jun 2020
How to address increasing demand in credit from SMEs

As of 24th May, the Bounce Back Loan Scheme (BBLS) lent £18.5bn to 608,069 small businesses as, up from £14.2bn by 17 May. In contrast, CBILS, which lends up to £5m, only lent £8.15bn since its...

Blog - Jun 2020
Unlocking affordability – A pivotal tool on the road to…

Nobody was ready for the Coronavirus outbreak, or the pandemic that so quickly unfolded. Its impacts – personal, social and economic – have been, and will continue to be, huge and unprecedented....

Whitepaper - Jun 2020
How to ease pressure on collections

For collections teams, the coronavirus outbreak has created a paradox. How to deal simultaneously with escalating volumes, changing FCA guidelines and high customer expectations – all while...

Whitepaper - Jun 2020
Polarisation in credit applications

UK businesses have been hit hard by the impact of Covid-19. Many are no longer operating anywhere near to capacity following the lockdown. We also know from our own economic analysis, that more than...

Whitepaper - Jun 2020
Risk policies for the ‘New Normal’

UK businesses have been hit hard by the impact of Covid-19. From the point the UK was locked down, it was clear more than half of businesses only held enough cash reserves for a month. Some sectors...

Whitepaper - Jun 2020
Changing risk profiles across your portfolio

UK businesses have been hit hard by the impact of Covid-19. We also know from our own economic analysis, that more than half of small businesses hold only enough cash to survive for a few months....

Whitepaper - Jun 2020
The economic impact of Covid-19 on businesses and commercial lending…

It’s clear that the country is facing one of our most challenging economic times. Lockdown meant many businesses were unable to operate. Now as we return to normality and businesses begin to...

Whitepaper - Jun 2020
How big data is transforming the world – and your…

Data has become the single most important resource in our digital world with Antonio Neri, CEO, Hewlett Packard Enterprise (HPE) suggesting it should be treated like a natural resource – to ensure...

Blog - Jun 2020
Risk in an open data world

In an ideal world, customers would be granted credit only if they can afford to repay in a sustainable manner and without harming their overall financial situation. In practice, this can never be...

Whitepaper - May 2020
How to cope with declining credit applications and quality

The COVID-19 outbreak is hitting new credit applications hard, with huge falls in new business and increasing risk within both prospective and existing customer pools. So, as a lender, what should...

Blog - May 2020