Customer Portfolio
Management

Score, analyze and reorganize

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Identify Growth Opportunities and Manage Risky Accounts

Vision 2014

Increase revenue by identifying positive trends to extend credit, up-sell and cross-sell offers to profitable customers. Reduce loss through scoring the probability of delinquency, performing risk trend analysis and being notified when customers are experiencing negative credit events so that you can develop more profitable business strategies to manage accounts that are going bad. Our customer portfolio management tools will help you control your portfolio more efficiently.

Manage your customer account portfolios with the following products:

COMMERCIAL FOCUSED PRODUCTS

Account Monitoring ServiceSM

Lets you view changes within your business-to-business portfolio so that you can manage risk and reduce delinquencies.

Portfolio Management Package

Implement more profitable collection strategies with our advanced scoring, segmentation and decisioning platform.

Portfolio MonitorSM

Alerts you when significant account changes such as negative payments, liens or bankruptcy have occurred, so that you can act more quickly to collect on debt.

Portfolio Scoring

Lets you identify and take action on troubled accounts and pinpoint good customers suitable for additional offers.

CONSUMER CREDIT FOCUSED PRODUCTS

Account Review Advantage

Take greater control of your portfolio by accessing credit based scoring models, and consumer contact information on a daily basis.

Address Update

Maintain quality address information to keep in touch with good customers and prevent losses from problem accounts.

Archive Services

Optimize the management of your existing accounts by refining your portfolio management tools to identify areas that present the highest potential profit and the highest risk.

Collection Advantage

Get 24-7 access to critical debt collection information, including credit-based scoring, consumer contact data and analytical services — all in one seamless delivery system.

Collection Triggers

You choose the information you want us to track. When there is new information available, we immediately notify you with this dynamic, flexible account monitoring tool.

Credit Migration SolutionsSM

Alerts you to changes in your consumer’s credit behavior so that you can make timely offers or increase lines of credit and tells you when customers hit your risk threshold so you act quickly and reduce losses.

Credit Profile Report and Options

Having the most accurate data and access to more than 220 million credit-active consumers lets you make informed customer acquisition decisioning.

Credit Risk AdvisorSM

Alerts you to changes in your consumer’s credit behavior so that you can make timely offers or increase lines of credit and tells you when customers hit your risk threshold so you act quickly and reduce losses.

Debt Portfolio Evaluator

Quickly and accurately evaluate collections recovery and profit potential on a debt portfolio.

Debt-to-Income InsightSM

Improve your ability to identify which customers are most profitable with an all-in-one assessment of their creditworthiness.

Decisioning as a Service

Decisioning as a Service is a streamlined delivery method engineered to help Experian clients gain greater value from data and decisioning products. It does so by providing flexible, real-time, access to more data sources, attributes, scores and analytics.

Experian Credit EducatorSM

Build strong relationships with loyal, creditworthy customers when you provide them with personalized education sessions with a trained Experian Credit Educator agent.

Experian National Risk Model - National Equivalency Score

Determine which accounts are most likely to be profitable and which pose the greatest credit risk with comprehensive information from Experian’s consumer credit database.

Experian TAPSSM

With TAPS (Total Annual Plastic Spend) know the total spend your customers generate, not just on your accounts but on other accounts as well. Differentiate the highest spenders to deliver better service, provide superior rewards, and even offer significantly higher credit lines.

Express Request

Resolve disputes on your customers’ personal credit reports in just one to two business days, with the results immediately reflected in the customer’s credit score.

Financial PersonalitiesSM - Credit Based

We combine consumers’ needs and attitudes with their actual behavior to build predictive models, using our comprehensive consumer data resources, to generate scores to accurately assign consumers to their Financial Personality.

Financial PersonalitiesSM - Marketing Based

A new generation of category-specific campaign targeting and tailoring tools for financial services marketers seeking to improve the performance of their campaigns. Financial Personalities is the only campaign targeting and tailoring system of its kind in the marketplace today.

In the Market ModelsSM

Understand your clients' future needs to secure refinancing or second offer opportunities when you identify which consumers within an existing portfolio will be in the market for a new credit product.

Income InsightSM

Most issuers lack the ability to get updated income post acquisition. Now with Income Insight periodic portfolio reviews can be done more effectively and with more confidence.

Market Intelligence Report – Consumer Credit Market Trends

Experian-Oliver Wyman Market Intelligence Reports
Access previously unavailable insights into timely consumer credit market trends. Compare trends against your portfolio, access credit segment details, and leverage customized reports. Easy-to-understand reports are delivered in two subscription formats, with an option for producing analyses and models.

Notification Services (Risk, Retention and Cross-Sell Triggers)

Event-based daily triggering tools that notify of credit behavior changes such as inquiries or derogatory information such as bankruptcies or late payments.

PINpoint Services

Get a single, enriched customer view for relationship building, cross-selling, collections and risk management strategies.

PowerCurve - Customer Management

Provides unmatched capabilities for turning customer-level analytic insights into a coordinated set of account-level treatment strategies, rapidly deployed and consistently executed across product lines and channels.

Precise IDSM for Customer Management

Establishes intricate identity linkages across Experian’s broad view of consumer actions to create scores and attributes that readily expose fraudulent activity within existing portfolios.

Prequalification

Prequalify consumers for credit in real time - enabling you to match consumers to loan options at the point of contact. Engaging consumers online, on the phone or face-to-face when they are engaged and most likely to respond will generate profitable leads for you.

Prescreen

Qualifies and segments your prospect list according to your unique credit criteria so you can target consumers most likely to respond to your credit offers.

Prospect TriggersSM

Stay ahead of the competition by knowing when your customers have moved into a credit risk profile that meets your ongoing business objectives for new offers.

QuestSM

Identifies profitable accounts and refines decisioning for credit line increases and offers. Predicts delinquent behavior and increases revenue recovery.

Rental Payment Data

Knowing the rental payment behavior of your customers can help you identify additional revenue opportunities and better measure your risk exposure.

Trend View

Enhance the profitability of your account and develop a strategy for future review and acquisition efforts by understanding consumers' past payment behavior.

Trended Solutions

Enhance the profitability of your portfolio and develop a strategy for the future by understanding consumers’ past behavior, credit preferences and their potential risks.

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