Loading...

Back to Basics: Portfolio Management

Published: January 13, 2021 by Stefani Wendel

Despite the constant narrative around “unprecedented times” and the “new normal,” if the current market volatility tells us anything, it’s to go back to basics. As financial institutions navigate COVID-19’s economic impact, and challenges that are likely to be different or more extreme than in the past, the best credit portfolio management practices are fundamental.

The global pandemic impacts today’s data as existing data and analytics may not accurately reflect what is happening now, resulting in inaccurate portfolio assessment. In order to successfully navigate loss forecasting, predicting borrower behavior and controlling loss ratios, lenders must engage new data, analytics and economic scenarios suited for today’s changing times.

In Experian’s latest white paper, “Credit Portfolio Management After the COVID-19 Recession,” we’ll explore best practices to combat the following challenges:

  • Forecasting credit losses despite increased economic volatility

Businesses have long used a variety of data, analytics and models to anticipate and project the future direction of their organization based on a number of data points; however, with the onset of the global pandemic, long-standing scenarios became suddenly irrelevant.

  • Predicting borrower behavior given increased financial disparities

The post-pandemic and pre-pandemic worlds are very different places for some borrowers. Pandemic-related job losses and other economic effects will not be spread evenly and this variability may be reflected in lenders’ portfolios.

  • Controlling loss ratios

In the post-COVID world, it will be mission critical for lenders to use high-quality and up-to-date data to balance priorities and identify which areas of their portfolio need attention now.

Whether your portfolio is doing better than expected, as expected, or worse than expected, now is the time to refresh portfolio management strategy. Lenders should be watching for early indicators in loan portfolios to better navigate a fluctuating economy and that requires new resources and better tools. Take control of your business’ trajectory.

Download now

Related Posts

Mid-sized banks should take a data-driven approach to implementing credit risk strategies if they want to expand their loan portfolios.

Published: August 27, 2025 by Brian Funicelli

Experian and Plaid are teaming up to power smarter, faster, and more inclusive lending — fueled by real-time cashflow insights.

Published: June 11, 2025 by Isaac Kim

Discover how cashflow data empowers lenders to unlock new growth opportunities and manage risk more effectively. 

Published: April 8, 2025 by Theresa Nguyen