Client Case Study
Technology Credit Union
Find Out How Tech CU Received an ROI Of $7.88 For Every $1 Spent On Trigger Data
The New Subprime Definition
Who’s Subprime Now? How Much Subprime Is In Your Portfolio?
Hear Directly From The FDIC Experts Who Wrote The New Definition Of Subprime.
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Risk Management Software
Experian offers risk management products and tools to help you manage portfolio risk by: monitoring account activity, identifying delinquencies, and verifying customer identity. Click the link below to learn more.
White Paper: Trends in Portfolio Management
Read our complimentary white paper on portfolio trends in the areas of bankcard, home equity and mortgage.
Identify Profitable and Risky Accounts
Experian® understands that proactively managing accounts helps minimize risk from customers experiencing negative credit events. Conversely, continual tracking and analysis of a portfolio helps clients maximize revenue opportunities by knowing when to extend credit to profitable accounts.
The following portfolio risk management products and services are focused on your commercial or consumer customers:
COMMERCIAL FOCUSED PRODUCTS
Account Monitoring ServiceSM
Ideal for portfolios containing more than 5,000 commercial accounts. Manage risk and improve cash flow with this comprehensive portfolio monitoring system for your business customers. Enjoy the industry’s best trigger capabilities, including alerts to derogatory events such as bankruptcies, liens, judgments and late payments.
Business Owner Background ReportSM
Unprecedented visibility into a business owner or principal’s relationships with current and former business interests.
Automate and control your credit application process with credit application templates for your Website that link to your credit policy and portfolio management tools in BusinessIQ.
A CRM-enabled credit and collections management application for businesses that sell on credit (B2B and B2C). Sell more efficiently, more profitably and shorten your collections cycles.
Saves you time and money by providing notifications when businesses in your portfolio experience derogatory events such as bankruptcies, liens, judgments or late payments. Ideal for portfolios containing fewer than 5,000 accounts.
Identify risks and opportunities by regularly scoring your portfolio of business customers. Segment businesses into risk groups for specific action and follow-up and track trends to refine credit policies. Uses highly predictive Intelliscore Plus score.
Small Business Credit ShareSM
Mitigate risk and maximize revenue with exclusive portfolio score models for the Small Business Credit Share consortium. Three models are available by portfolio type — all financial, commercial credit card and commercial retail credit card.
Small Business Credit Share ReportSM
Cooperative database that enables cross-industry clients to contribute commercial portfolio data in exchange for exclusive access to unique account data — including financial and non-financial trade contributor information.
CONSUMER 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.
Baker Hill Advisor®
Manage credit risk, uncover growth opportunities and automate complex processes across your entire loan portfolio.
Baker Hill Advisor® for Portfolio Risk Management
Baker Hill Advisor® for Relationship Lending
Identifies best prospects for new offers and the most profitable accounts to collect on using industry-specific risk models.
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 a customer’s credit behavior and provides trending data. This information will allow you to make timely offers or increase lines of credit. Tells you when customers hit your risk threshold so you can 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.
Debt Portfolio Evaluator
Quickly and accurately evaluate collections recovery and profit potential on a debt portfolio.
Take the risk out of managing your portfolio with greater insight into the overall debt capacity of your customers.
Decision Analytics Platform - Decision Management
Through advanced decision management technology and flexible access to decision-ready data, enhanced strategy design capabilities and improved strategy performance monitoring, Decision Analytics Platform provides more insight to quickly and easily create and deploy superior decision strategies across the life cycle.
Automate approvals for new customers using preset, customizable rules that reflect your company’s credit policy. Combines automated decisioning with the Intelliscore Plus score.
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
With TAPS (Total Annual Plastic Spend), assign the correct APR in underwriting to maximize wallet share and interchange revenue and estimates a consumer’s spend on all general purpose credit and charge cards over the last 12 months. Combine with income to identify potential debit users.
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
This intuitive model identifies consumers soon to be in the market for a specific product type, allowing you to identify consumers who are opening accounts at prime and nonprime risk levels.
Strengthen your customer risk management processes through an enhanced ability to assess a customer’s complete financial picture.
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.
Our event-based triggering tools provide daily notification of credit behavior changes, inquiries and derogatory information such as bankruptcies or late payments.
Identifies profitable accounts and refines decisioning for credit line increases and offers. Predicts delinquent behavior and increases revenue recovery.
Rental Payment Data
Rental payment behavior serves as an additional input in helping you develop a more complete picture of your risk exposure.
Faced with negative equity and a slumping housing market, many borrowers are choosing to cease paying their mortgages even while staying current with their nonmortgage debts. Lenders need the best strategies for managing consumers who exhibit strategic default behavior.
Enhance the profitability of your account and develop a strategy for future review and acquisition efforts by understanding consumers' past payment behavior.
Segment those prospects and customers who are likely to go delinquent by understanding if a consumer is rapidly increasing his or her balances or paying off debt.