Kelly Kent

Kelly Kent is presently the VP Product Management for Decision Analytics’s Decisioning product group, responsible for the management of software and analytics products including PowerCurve® and Premier Attributes. Since joining Experian in 2007, Kelly has held roles in both the Credit Services and Decision Analytics organizations. Initially, he developed new products and led strategic planning for the Consumer Information Services business line. Since then, he has worked within Decision Analytics’s North American and Global product organizations, responsible for managing the Business Intelligence product suite and global strategic planning, respectively. Prior to joining Experian, Kelly held positions in business development and consulting for several Canadian-based companies. He earned an Honours Bachelor of Commerce from McMaster University in Hamilton, Canada, and a Master of Business Administration from the UCLA Anderson School of Management.

All posts by Kelly Kent

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Auto loan delinquencies extending beyond subprime cons...

There has been a lot of discussion around the auto loan market regarding delinquency rates in the past year. It is a topic Experian...

Read More Auto loan delinquencies extending beyond subprime consumers
Understanding prescriptive solutions...

Prescriptive solutions: Get the Rx for your right course of action By now, everyone is familiar with the phrase “big data” and what it...

Read More Understanding prescriptive solutions
When is Big Data too much data?...

As Big Data becomes the norm in the credit industry and others, the seemingly non-stop efforts to accumulate more and more data leads me...

Read More When is Big Data too much data?
Earthquakes and Credit Risk – Prediction and Preparati...

I love a good analogy, and living in Southern California, lately I’ve been thinking a lot about earthquakes, and how lenders might want to start thinking like seismologists when considering the risk levels in their portfolios. Currently, scientists that study earthquakes review mountains of data around fault movement, tidal...

Read More Earthquakes and Credit Risk – Prediction and Preparation
Are “fallen angels” a key to economic grow...

As our newly elected officials begin to evaluate opportunities to drive economic growth in 2011, it seems to me that the role of lenders in motivating consumer activity will continue to be high on the list of both priorities and actions that will effectively move the needle of economic...

Read More Are “fallen angels” a key to economic growth?
Profitable portfolio segments may exist in some unlike...

A recent article in the USA Today titled, “Jobs rebound will be slow”*, outlines state-by-state forecasts for the United States, as released by Moody’s Economy.com. Although the national forecasted increase, 0.9%, reflects the expectation that unemployment will remain an issue throughout 2011, the state-level detail possesses interesting variances that...

Read More Profitable portfolio segments may exist in some unlikely places
Foreclosure freezes are not just a mortgage issue...

With the issue of delayed bank foreclosures at the top of the evening news, I wanted to provide a different perspective on the issue and highlight what I think are some very important, yet often underestimated risks hidden within this issue. For many homeowners, the process of becoming delinquent...

Read More Foreclosure freezes are not just a mortgage issue
Will increased joblessness drive another set of strate...

With the news from the Federal Reserve that joblessness is not declining, and in fact is growing, a number of consumers are going to face newly difficult times and be further challenged to meet their credit obligations. Thinking about how this might impact the already struggling mortgage market, I’ve...

Read More Will increased joblessness drive another set of strategic defaults
Economic challenges transform consumer risk profiles...

With the recent release of first-time unemployment applications by the Labor Department showing weaker than expected results, it comes as no surprise that July foreclosure rates  also reflect the on-going stress being experienced by consumers across the nation. When considering credit score trends and delinquency measures across credit products, it’s...

Read More Economic challenges transform consumer risk profiles
Finding growth in your current applicants...

Recently, a number of media articles have discussed the task facing financial institutions today – find opportunities growth in a challenging and flat economy. The majority of perspectives discuss the fact that lenders will soon have no choice but to look to the ‘fringe’, by lowering score cut-offs, adjusting...

Read More Finding growth in your current applicants
Credit Unions and the Family Farm – common bonds...

I recently attended a conference where Credit Union managers spoke of the many changes facing their industry in the wake of the real estate crisis and economic decline that has impacted the US economy over the past couple of years.  As these managers weighed in on the issues facing...

Read More Credit Unions and the Family Farm – common bonds
Unemployment and credit risk...

Since 2007, when the housing and credit crises started to unfold, we’ve seen unemployment rates continue to rise (9.7% in March 2010 *)  with very few indicators that they will return to levels that indicate a healthy economy any time soon. I’ve also found myself reading about the hardship...

Read More Unemployment and credit risk