Bringing your data to life - etouches · Bringing your data to life . Introducing: Ian Dunn Visible...

Bringing your data to life

Introducing:

Ian Dunn Visible Equity

Elias Tuma Experian

©Experian 3 4/28/2017 Experian Public Vision 2017

How can technology help to:

• Make data easier to obtain and manage?

• Unlock additional insights from your data?

• Streamline exams and satisfy regulators?

Bring your data to life Creating efficiencies through technology


Prescreen and account review data at your fingertips

• Reduce file transfers – both internally and externally

• Data delivered directly back into the platform over the web

• Real-time counts with a robust set of scores and attributes (Prescreen)

Removing friction Data on-demand


Intuitive report building makes it easier than ever before to bring meaningful insight out of your data

• Ditch the CSV file!

• Pre-built and fully customizable reports

• Integrate Experian data with other data sets (loans, applications, etc.)

Interactive reporting Extracting value from your data


• Easy-to-use solution gets more out of your existing resources

• Information is centrally located

• Pre-built reports regulators have requested previously

Exams made simple(r) Getting and staying ahead of regulatory requests


Three real-world scenarios…

… but first let’s play a little game


30 Seconds to go…

15 Seconds…

Where’s Waldo? (One minute. Ready. Set. Go!)

Times up…


What if technology could help us find Waldo faster, easier and more accurately?

Platform

Analytics

Visualizations

Data


• Scenario 1: Identify borrowers

with hidden risk

• Scenario 2: Identify best home

equity loan candidates

• Scenario 3: Identify borrowers most

likely to transfer their credit card balance

Three real world scenarios…


1. Refresh credit scores

2. Produce credit score migration report

3. Drill down to borrowers with negative migration

4. View these borrowers by “out of institution” delinquency

5. Add to watchlist (or make other appropriate decision)

Scenario 1 Identify borrowers with hidden risk

Goal: Make

steps 1-4 fast

and easy

So you can spend time making good decisions…

Welcome, David

Home Report Packets Upload/Manage Data Tools Settings Messages David v

Schedule Training

APPLICATION Analytics Analytics

LOAN LOAN Analytics

DEPOSIT Analytics

Not Subscribed

CUSTOMER & Marketing Analytics

ADVANCED LOAN Analytics

ALLOWANCE Expected Credit Loss (CECL)

PEER Analytics

Not Subscribed

FAIR LENDING Analytics

Not Subscribed Not Subscribed

EXPERIAN Account Review

Select Account

Review to get started

EXPERIAN Prescreen

Welcome: Experian Account Review

Scheduled Date Order Name 7/15/2017 Account Review 10/15/2017 Account Review 1/15/2018 Year End Account Review 4/15/2018 Account Review

Order Data

Reports

Standard Reports

Saved Reports

Build New Report

Help

Videos Documents

Home Products: Experian-Account Review v Report Packets Upload/Manage Data Tools Settings

Messages David v

Welcome

Order Data

Order History

Reports

Help

View Order History

Build New Order

Start a new order


Messages David v

Welcome

Order Data

Order History

Reports

Help

Order Select Order [ Build New Order v ] Contact Experian

Order Summary

V

Premier Attributes

Scores

EIRC (Estimated Interest Rate Calculations)

TAPS (Total Annual Plastic Spend)

Trended Data

V

V

V

V

V

Choose your

desired product(s)

Choose from new

or prior orders


Messages David v

Welcome

Order Data

Order History

Reports

Help


Data Selected Accounts (Records) to Process Estimated Quantity Cost / Record Estimated Cost* VantageScore 3.0 Standard Filter: Primary Borrowers 43,230 $X.XX $X,XXX.XX Processing Fee (Experian) 43,230 $X.XX $X,XXX.XX Processing Fee (Visible Equity) 43,230 $X.XX $X,XXX.XX

$X,XXX.XX*

*Actual costs depends on number of records returned. Processing Fees based on unique records.

Order Summary V

V

V

2 V

Confirm & Order

Premier Attributes

Scores

V

Select Accounts (Records) to Process: [ Standard Filter: Primary Borrowers v ]

Learn More

Update

FICO V2

FICO V8

FICO V9

Bankruptcy Plus

Bankruptcy Plus (Rescaled)

V

VantageScore 3.0

Income Insights

V

Let’s choose a

credit score

On all Primary

Borrowers

V

V


Messages David v

Welcome

Order Data

Order History

Reports

Help

2

Order

V

Select Order [ Build New Order v ]

Confirm & Order Premier Attributes

Scores

V

V

Select Accounts (Records) to Process: [ Standard Filter: Primary Borrowers v ]

Learn More

Update

Visible Equity Standard Package

Contact Experian

V

Core Package

Order Summary V

Data Selected Accounts (Records) to Process Estimated Quantity Cost / Record Estimated Cost* VantageScore 3.0 Standard Filter: Primary Borrowers 43,230 $X.XX $X,XXX.XX Core Package Standard Filter: Primary Borrowers 43,230 $X.XX $X,XXX.XX Processing Fee (Experian) 43,230 $X.XX $X,XXX.XX Processing Fee (Visible Equity) 43,230 $X.XX $X,XXX.XX

$X,XXX.XX*


Credit Union Package

Auto Package

Bankcard Package

Mortgage Package

And Core Premier Attributes℠

so we can get the “Out of

Institution” Delinquency…

Let’s order


Messages David v

Welcome

Order Data

Order History

Reports

Help

Place Order Order Name [ Scenario 1 ]

[ x ] One Time

Order on [ Now ]

[ ] Recurring

*Please select a date that allows enough time for desired data files to be updated.

Order Summary

Place Order

Cancel

Order

Data Selected Accounts (Records) to Process Estimated Quantity Cost / Record Estimated Cost* VantageScore 3.0 Standard Filter: Primary Borrowers 43,230 $X.XX $X,XXX.XX Core Package Standard Filter: Primary Borrowers 43,230 $X.XX $X,XXX.XX Processing Fee (Experian) 43,230 $X.XX $X,XXX.XX Processing Fee (Visible Equity) 43,230 $X.XX $X,XXX.XX

$X,XXX.XX*


Standard Reports

V Executive Summary

All Trades Summary

Delinquency Report

Credit Score Concentrations

Credit Score Migration

Credit Score Trends

Credit Score by All Trades Matrix

Key Stats

Welcome

Order Data

Order Historyy

Reports

Standard Reports >

Saved Reports

Build New Report

Help

Messages David v Home Products: Experian-Account Review v Report Packets Upload/Manage Data Tools Settings

Let’s look at a

Credit Score

Migration report

Credit Score Migration

Home Products: Loan Analytics v Report Packets Upload/Manage Data Tools Settings Messages David v

Drilldown to a

list of loans

Return Export v Let’s take a closer look at all

borrowers negative migration

Credit Score Grade

Ori

gin

al C

red

it S

core

Gra

de

Custom Report: Negative Credit Score Migration & Delinquency


Return Export v

Filter (1) v 8,700 / 43,230 $104,101,300 / $748,058,701

Would other segments even be on your radar? What about “Out of Institution” Delinquency?

Most of the negative migration

is in Consumer Portfolio

Balance by Category

Delinquency

All of the “In House”

delinquency is in Consumer

Negative Credit Score Migration & Credit Bureau Delinquency


Return Export v

Filter (1) v 8,700 / 43,230 $104,101,300 / $748,058,701

There is still a substantial

volume of negative migration in

other segments… hidden risk?

Hidden risk?

First Mortgage $400,030 Second Mortgage $300,007 HELOC $510,003 Auto $1,150,042 Bankcard $645,114 Consumer Installment $212,786 Consumer Revolving $367,001 Delinquent All Trades $3,584,983

Credit Inquiries 703 Bankruptcy Flag 112 Collection Accounts 677 Public Records 453

Balance by Category

Delinquency (Out of Institution)


1. Refreshed credit scores and Premier Attributes℠

2. Produced credit score migration report

3. Drilled down to borrowers with negative migration

4. Viewed these borrowers by “out of institution” delinquency

5. Add to watchlist (or make other appropriate decision)

Scenario 1 Identify borrowers with hidden risk

Goal: Make

steps 1-4 fast

and easy


Hidden risk

More hidden risk

Goal: Make

steps 1-4 fast

and easy


Let’s talk exams…

Do you have a handle on what’s going on at your institution? (Do you know your data? Do you have consistent, comprehensive reporting?) Can you prove it? (Ad hoc reports!) Do you know what the focus will be? (Best practices reporting)

Let’s talk building custom reports and filtering…

Build New Report

V

Welcome

Order Data

Order Historyy

Reports

Standard Reports

Saved Reports

Build New Report >

Help

Messages David v Home Products: Experian-Account Review v Report Packets Upload/Manage Data Tools Settings

1. Global Filter or Per Element Filter

2. Report Layout (Select Report Elements)

3. Element Options (Stratifications,

Show Options, Customizations, etc.)


Build New Report 6/30/2017 v

Residential Real Estate 1,500 $225,500,000 25.1% 15%

Count Balance % Balance % of Total Assets Category

Business Lending 2,500 $290,000,000 32.2% 19%

Consumer Lending 7,500 $305,000,000 33.9% 20%

Total 25,000 $900,000,000

> 720

620 - 619

< 620

$105,000,000 (12%)

$105,000,000 (12%)

$90,000,000 (10%)

12,500 / 12,500 $900,000,000 / $900,000,000

Chart

Table [ Category v ] [ Not Selected v ] [ Show v ]

[ Credit Score v ] [ Not Selected v ] [ Show v ]

Update

Filter (0) v

Global v Edit Layout Export v Save

loan ID Last Name Loan Type Subcategory Balance Origination Date Maturity Date Credit Score LTV PD

List [ Show v ]

1234567 Dunn First Mortgage First Mortgage $300,000 1/15/2015 1/15/2045 720 75% 1.1%

Welcome

Order Data

Order Historyy

Reports

Standard Reports

Saved Reports

Build New Report >

Help

Update

Update

Global Filter

Per Element Filter

Commercial Real Estate 1,000 $79,500,000 8.8% 5%


Return Export v

Filter (0) v 43,230 / 43,230 $748,058,701 / $748,058,701

Standard filters >

Saved filters >

Advanced filter (build new saved filter) Standard filters

Standard category/subcategory >

Custom category/subcategory >

Origination period >

Delinquency >

Grade/rating >

Update

Advanced Filter

V

[ ] Residential Lending

[ ] First Mortgage

[ ] Second Mortgage

[ ] Etc…

Count: 18,500 / 43,230

Balance: $300,000,000 / $748,058,701

Save / Return v

Filtering by:

1 Subcategory: New Auto x

Select Filter Category: [ Standard Categories v ]

[ ] Consumer Lending

[ X ] New Auto (Include v )

[ X ] Used Auto (Include v )

[ X ] Credit Card (Excludes v )

[ ] Etc.


Messages David v

Select from multiple filter categories

including loan characteristics,

borrower characteristics,

credit bureau data, etc.

[ ] Business Lending

[ ] C&I Loans

[ ] CRE

[ ] Etc…

2 Subcategory: Used Auto x

[ And v ]

[ And v ]

3 Subcategory: Not Credit Cards x

Save filter for

quick future

access

Save







Total 25,000 $900,000,000

> 720

620 - 619

< 620

$105,000,000 (12%)

$105,000,000 (12%)

$90,000,000 (10%)

12,500 / 12,500 $900,000,000 / $900,000,000

Chart



Update

Filter (0) v



List [ Show v ]


Welcome

Order Data

Order Historyy

Reports

Standard Reports

Saved Reports

Build New Report >

Help

Update

Update


Let’s edit

the layout

Subscriptions:

Home Products: Loan Analytics v Report Packets Upload/Manage Data

Tools Institution Settings Ian v

Edit Layout

Elements

Submit

Current Layout

PDF Settings: [ x ] Portrait [ ] Landscape

Home Products: Loan Analytics v Report Packets Upload/Manage Data

Institution Settings Messages v Ian v Home Products: Loan Analytics v Report Packets Upload/Manage Data Tools Settings Messages David v

Chart

Multiline Box

Matrix

Chart

Table

List

Drag and drop

“Elements” to the

Current Layout



Class: 1st Mortgages (First Mortgage)





Total 25,000 $900,000,000

Class: 1st Mortgages (First Mortgage) > 720

620 - 619

< 620

$105,000,000 (12%)

$105,000,000 (12%)

$90,000,000 (10%)

12,500 / 12,500 $900,000,000 / $900,000,000

Chart



Update

Filter (0) v



List [ Show v ]


Update

Update

6789101 Tuma First Mortgage First Mortgage $500,000 1/15/2015 1/15/2045 800 55% 0.1%

Welcome

Reports

Standard Reports

Saved Reports

Build New Report >

Help More report options: Filters

(if Per Element is selected),

More Stratification and Show

Options, Aliasing, Rounding,

Order, Labeling, etc.



Messages David v

Submit

Name: [ Table ]

V

V V

V

V

V

Per Element Filter

V

Stratification Options

V

Show Options V

Element Options

Significant Digits & Rounding

V

Restore Defaults


Scenario 2 Identify best home equity loan candidates

Property type: Single family home

Address: 1721 N Westmoreland Dr

Orlando, FL 32804

Details: 3 beds, 2 baths, 1,456 sqft.

Original value: $296,000

Valuation date: Dec, 2007

Value as of May 8, 2017 is?

But first let’s give away another prize…



Property type: Single family home

Address: 1721 N Westmoreland Dr

Orlando, FL 32804

Original value: $296,000

Valuation date: Dec, 2007

Current value: $332,000

Up $36,000


1. Combine credit scores with loan-to-value (LTV)

2. Identify borrowers with high scores and low LTVs

3. Prescreen for high “In the Market Model℠” scores

4. Send offer (and make other appropriate decision)


Fast and easy multidimensional analysis

Again, so you can spend time making good decisions

Standard Reports

V Executive Summary

Position Reports

Performance Reports

Migration & Trend Reports

Static Pool Reports

Welcome

Reports

Standard Reports >

Saved Reports

Build New Report

Help

Messages David v Home Products: Loan Analytics v Report Packets Upload/Manage Data Tools Settings

Select position

reports

Standard Reports>Position Reports

V Concentrations Report

Concentrations Matrix

Grade/Rating Comparison

Delinquency Migration

Messages David v Home Products: Loan Analytics v Report Packets Upload/Manage Data Tools Settings

Select

concentrations matrix

Welcome

Reports

Standard Reports >

Saved Reports

Build New Report

Help


Return Export v

Filter (0) v 43,230 / 43,230 $748,058,701 / $748,058,701

Standard filters >

Saved filters >

Advanced filter (build new saved filter) Standard filters

Standard category/subcategory >

Custom category/subcategory >

Origination >

Delinquency >

Grade/rating >

Credit Score & LTV Matrix (Residential Lending)

<Previou

s


Return Export v

Filter (1) v 8,700 / 43,230 $101,306,453 / 748,058,701

[ Credit Score v ] [ LTV v ] [ Show v ]

Update Matrix

Credit Score | LTV

Credit Score & LTV Matrix (Residential Lending)

Powerful to combine metrics!

We want to target residential loans with

high scores and low LTV (in other words,

low risk borrowers with equity…)

Welcome, David


Schedule Training


LOAN LOAN Analytics

DEPOSIT Analytics

Not Subscribed




PEER Analytics

Not Subscribed




EXPERIAN Prescreen

Select Prescreen

(permissible use)

Experian Prescreen

Scheduled Date Order Name No Orders Scheduled

Order Data

Reports

Standard Reports

Saved Reports

Build New Report

Help

Videos Documents

Home Products: Experian-Prescreen v Report Packets Upload/Manage Data Tools Settings

Messages David v

Welcome

Order Data

Order History

Reports

Help

View Order History

Build New Order

Start a new order


Messages David v

Welcome

Order Data

Order History

Reports

Help


Order Summary V

V

V 2 V

Confirm & Order

Premier Attributes

Scores

V

Select Accounts (Records) to Process: [ Saved Filter: Green Group (Low Risk) v ]

Learn More

Update In the Market Model (Home Equity)

V

VantageScore 3.0

FICO V2

FICO V8

FICO V9

Bankruptcy Plus

Income Insights

V

Data Selected Accounts (Records) to Process Estimated Quantity Cost / Record Estimated Cost* VantageScore 3.0 Saved Filter: Green Group (Low Risk) 3,454 $X.XX $X,XXX.XX In the Market Model (Home Equity) Saved Filter: Green Group (Low Risk) 3,454 $X.XX $X,XXX.XX Processing Fee (Experian) 3,454 $X.XX $X,XXX.XX Processing Fee (Visible Equity) 3,454 $X.XX $X,XXX.XX

$X,XXX.XX*



Messages David v

Welcome

Order Data

Order History

Reports

Help

Place Order Order Name [ Scenario 2 ]

[ x ] One Time

Order on [ Now ]

[ ] Recurring


Order Summary

Place Order

Cancel

Order

Data Selected Accounts (Records) to Process Estimated Quantity Cost / Record Estimated Cost* VantageScore 3.0 Saved Filter: Green Group (Low Risk) 3,454 $X.XX $X,XXX.XX In the Market Model (Home Equity) Saved Filter: Green Group (Low Risk) 3,454 $X.XX $X,XXX.XX Processing Fee (Experian) 3,454 $X.XX $X,XXX.XX Processing Fee (Visible Equity) 3,454 $X.XX $X,XXX.XX

$X,XXX.XX*


Save

Home Products: Experian Prescreen v Report Packets Upload/Manage Data Tools

Settings

Messages David v






Total 25,000 $900,000,000

> 720

620 - 619

< 620

$105,000,000 (12%)

$105,000,000 (12%)

$90,000,000 (10%)

12,500 / 12,500 $900,000,000 / $900,000,000

Chart



Update

Filter (0) v

Global v Edit Layout Export v


List [ Show v ]


Welcome

Order Data

Order Historyy

Reports

Standard Reports

Saved Reports

Build New Report >

Help

Update

Update


<Previou

s


Messages David v

Return Export v

3,454 / 43,230 $58,205,080 / $748,058,701

[ In the Market Model v ] [ Not Selected v ] [ Show v ]

Update Chart

Filter (1) v

In the Market Report

1,390 1,334

730

0

200

400

600

800

1,000

1,200

1,400

1,600

(>=700) (500 to 699) (<=499)

Call to

Action

Educate

to Action Hot leads

<Previou

s


Messages David v

Return Export v

Filter (1) v 3,550 / 43,230 $58,205,080 / $748,058,701

1245567 $110,500 First Mortgage 4/15/2017 4/15/2025 700

4562233 $222,092 First Mortgage 4/16/2017 4/16/2029 680

7262434 $98,000 First Mortgage 3/15/2017 3/15/2027 650

3562239 $143,304 First Mortgage 3/15/2017 3/15/2025 740

2222245 $214,006 First Mortgage 1/15/2017 1/15/2029 810

6239954 $95,605 First Mortgage 12/02/2016 12/02/2025 790

4334991 $229,052 First Mortgage 12/01/2016 12/01/2027 715

9443782 $333,031 First Mortgage 11/25/2016 11/25/2029 735

…

< Previous Next >

Loan ID Balance Loan Type Description Origination Date Maturity Date In the Market Model Score

[ Show v ]

Update List

In the Market Report


1. Combine credit scores with loan-to-value (LTV)

2. Identify borrowers with high scores and low LTVs

3. Prescreen for high “In the Market Model℠” scores (home equity)

4. Send offer (and make other appropriate decision)

Scenario 2 review Identify best home equity loan candidates

Fast and easy multidimensional analysis

Again, so you can spend time making good decisions

Hidden opportunity


Last game … birthday match

Interesting fact: In a room of 23 people, there is

a 50.7% probability of two or more people having

the same birthday. For 60 people, it’s 99.4%.

Scenario 3 Identify borrowers most likely to transfer credit card balance

Image source: Pixabay.com


1. Order balance transfer index (BTI) and total annual plastic spend (TAPS) on credit cards

2. Filter to borrowers with high BTI and high TAPS

3. Make appropriate defensive and offensive decisions

Scenario 3 Identify borrowers most likely to transfer credit card balance

Welcome, David


Schedule Training


LOAN LOAN Analytics

DEPOSIT Analytics

Not Subscribed




PEER Analytics

Not Subscribed




EXPERIAN Prescreen

Select Account

Review to get started

Welcome: Experian Account Review

Scheduled Date Order Name 7/15/2017 Account Review 10/15/2017 Account Review 1/15/2018 Year End Account Review 4/15/2018 Account Review

Order Data

Reports

Standard Reports

Saved Reports

Build New Report

Help

Videos Documents


Messages David v

Welcome

Order Data

Order History

Reports

Help

View Order History

Build New Order

Start a new order

Apply | Edit

Home Products: Experian- Account Review v Report Packets Upload/Manage Data Tools

Settings Messages David v

Welcome

Order Data

Order History

Reports

Help


Order Summary V

V

V

2 V

Premier Attributes

Scores

V

Select Accounts (Records) to Process: [ Not Selected v ]

Learn More

Update Balance Transfer Index

V

VantageScore 3.0

FICO V2

FICO V8

FICO V9

Bankruptcy Plus

Income Insights

V

Standard Filters >

Saved Filters >

Advanced Filter (Build New Saved Filter)

Let’s use a saved filter

we created earlier.

Saved Filters

Watchlist

Has CC, High spend

Etc.

Here


Messages David v

Welcome

Order Data

Order History

Reports

Help


Order Summary

V

Premier Attributes

Scores



Trended Data

V

V

V

V

V

TAPS 4.0

Learn More

Update

Data Selected Accounts (Records) to Process Estimated Quantity Cost / Record Estimated Cost* Balance Transfer Index Saved Filter: Has CC, High spend 4,200 $X.XX $X,XXX.XX TAPS 4.0 Standard Filter: Consumer Card 15,000 $X.XX $X,XXX.XX Processing Fee (Experian) 15,000 $X.XX $X,XXX.XX Processing Fee (Visible Equity) 15,000 $X.XX $X,XXX.XX

$X,XXX.XX*


Select Accounts (Records) to Process: [ Standard Filter: Consumer Card v ]

Order BTI

and TAPS


Messages David v

Welcome

Order Data

Order History

Reports

Help


Premier Attributes

Scores



Trended Data

V

V

V

V

V

TAPS 4.0

Learn More

Update Select Accounts (Records) to Process: [ Saved Filter: Has Auto, no Card v ]

Order Summary

V


$X,XXX.XX*


Each product has a link

to get more information

Experian TAPSSM (Total Annual Plastic Spend)

Select Data to Buy

Data Dictionary

Sample Report

V

V

Experian TAPSSM is the first industry-unique algorithm that accurately estimates a consumer’s spend on all general purpose credit

and charge cards over the last 12 months.

Product Sheet

V

How Does it Work?

V


Messages David v

Contact Experian Return


Messages David v

Welcome

Order Data

Order History

Reports

Help

Place Order Order Name [ Credit Card Analysis ]

[ ] One Time

Order on [ 4/15/17 ]

[ x ] Recurring

Frequency: [ Monthly v ]

Starting Date: [ 7/15/17 ]

Ending Date: [ None Selected ]


Order Summary

Place Order

Cancel

Order

Order Summary


$X,XXX.XX*


<Previou

s


Messages David v

Return Export v Credit Card Defense List

Filter (1) v 1,134 / 15,000 $11,205,080 / $54,058,701

1245567 $10,500 Consumer Card 1/15/2016 120000 705

4562233 $22,092 Consumer Card 2/16/2015 60000 780

7262434 $12,000 Consumer Card 3/15/2014 70000 750

3562239 $10,304 Consumer Card 11/15/2011 65000 740

2222245 $14,006 Consumer Card 10/11/2014 90000 810

6239954 $15,605 Consumer Card 12/02/2016 130000 790

4334991 $21,052 Consumer Card 12/01/2012 210000 815

9443782 $15,031 Consumer Card 11/25/2016 45000 835

…

< Previous Next >

Customer ID Balance Loan Type Description Origination Date TAPS 4.0 BTI Score

[ Show v ]

Update List

How you can you protect

against high spender attrition?

<Previou

s


Messages David v

Return Export v Credit Card Offense List

Filter (1) v 4,500 / 15,000 $605,080 / $54,058,701

5245567 $500 Consumer Card 1/15/2016 46000

4552235 $450 Consumer Card 2/16/2015 54000

7552434 $1,200 Consumer Card 3/15/2014 70000

5552239 $920 Consumer Card 11/15/2011 57000

5442245 $0 Consumer Card 10/11/2014 120000

2339954 $340 Consumer Card 12/02/2016 87000

44434991 $93 Consumer Card 12/01/2012 29000

4043782 $1,121 Consumer Card 11/25/2016 62000

…

< Previous Next >

Customer ID Balance Loan Type Description Origination Date TAPS 4.0

[ Show v ]

Update List

How can you promote more

spend on your product?


1. Order balance transfer index (BTI) and total annual plastic spend (TAPS) on credit cards

2. Filter to borrowers with high BTI and high TAPS

3. Make appropriate defensive and offensive decisions

Scenario 3 review Identify borrowers most likely to transfer credit card balance

Pursue credit card spend your current card

holders have with another institution.

Proactively defend credit card loans most

susceptible to transferring other institutions


Technology can help you…

• Save time: Streamline your processes for obtaining data

• Know more: Delve deeper into the data you have

• Be confident: Tackle regulatory requirements head on

Bringing your data to life


Experian contact:

Elias Tuma [email protected]

Questions and answers


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Bringing your data to life - etouches · Bringing your data to life . Introducing: Ian Dunn Visible...

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Transcript of Bringing your data to life - etouches · Bringing your data to life . Introducing: Ian Dunn Visible...