From Information to Insight
Data is a critical and strategic tool that powers business today. At Experian, we have spent over 30 years refining our expertise in interpreting data, be it a credit bureau or a client’s customer data, and leveraging it to create more valuable and profitable customer relationships for our clients.
Our best-in-class analytics solutions transform data into information, enabling organisations to accurately predict applicant and customer behaviour. Experian also builds market-leading credit bureau and custom scores to facilitate superior decision-making and create true value for customers and their stakeholders.
A 360-degree view of each customer can help a business accurately assess the potential value of an accepted applicant, in order to further inform and review decisions about the existing and new products and terms offered. Application scoring in this process is used to predict how a potential customer will behave in the future, on the basis of which they are considered or declined.
Behavioural scoring is used throughout the customer relationship life-cycle to develop effective management strategies for each customer on a case by case basis. For organisations that maintain several relationships with customers, Experian’s customer-level scoring brings the different aspects of the relationship together into one holistic picture.
Experian uses its behavioural scoring to prioritise collections and recoveries, which help maximise recoveries and reduce collections costs through more effective strategies and minimised manual intervention. Data and analytics are used to capture comprehensive customer profiles and develop the strategy to be used for the debt recovery activity.
Experian is also a leading provider of products and services for the New Basel Capital Accord (Basel II). The new Basel Capital Accord (Basel II) requires banks to estimate Probability of Default (PD), Loss Given Default (LGD) and Exposure at Default (EAD) for groups of exposures. We have helped many organisations around the world build estimates of PD, LGD and EAD and embed them in their business processes.
Helping You Succeed
Experian’s core expertise lies in data and analysis, which enables our customers to get unique insights which lead to making informed decisions for profitable growth. We work closely with Decision Analytics clients in more than 60 countries across diverse industries, including financial services, telecommunications, retail, leasing, automotive, insurance, government agencies and utilities, enabling them to make billions of customer-focused decisions annually.
Contact us to know how you could leverage our global expertise to achieve business growth.