Credit Lending
In a recent presentation conducted by The Tower Group, “2010 Top 10 Business Drivers, Strategic Responses, and IT Initiatives in Bank Cards,” the conversation...
In my previous two blogs, I introduced the definition of strategic default and compared and contrasted the population to other types of consumers with...
A recent New York Times (1) article outlined the latest release of credit borrowing by the Federal Reserve, indicating that American’s borrowed less for the ninth-straight month...
In my last blog, I discussed the presence of strategic defaulters and outlined the definitions used to identify these consumers, as well as other...
For the past couple years, the deterioration of the real estate market and the economy as a whole has been widely reported as a...
By: Wendy Greenawalt Optimization has become a “buzz word” in the financial services marketplace, but some organizations still fail to realize all the possible business...
In my last blog, I discussed the basic concept of a maturation curve, as illustrated below: Exhibit 1 In Exhibit 1, we examine different...
By: Tom Hannagan Understanding RORAC and RAROC I was hoping someone would ask about these risk management terms…and someone did. The obvious answer is...
The value of a good decision can generate $150 or more in customer net present value, while the cost of a bad decision can...
By: Kari Michel Most lenders use a credit scoring model in their decision process for opening new accounts; however, between 35 and 50 million...
Recent findings on vintage analysis Source: Experian-Oliver Wyman Market Intelligence Reports Analyzing recent vintage analysis provides insights gleaned from cursory review Analyzing recent trends...
By: Wendy Greenawalt In the last installment of my three part series dispelling credit attribute myths, we’ll discuss the myth that the lift achieved...
By: Wendy Greenawalt In the second installment of my three part series, dispelling credit attribute myths, we will discuss why attributes with similar descriptions...
By: Wendy Greenawalt This blog kicks off a three part series exploring some common myths regarding credit attributes. Since Experian has relationships with thousands...
When reviewing offers for prospective clients, lenders often deal with a significant amount of missing information in assessing the outcomes of lending decisions, such...