Our Service Portfolio

Our models utilise historical, transactional and external data to produce analyses which, by weighing up the relationship between various data elements can produce a prediction of likely customer behaviour, for example, in the areas of:

• Customer value potential
• Credit evaluation
• Attrition propensity
• Customer risk
• Customer promiscuity
• Identification of ideal customer
• Fraudulent transactions.

As we build a picture of individual customers and/or business scenarios, the future becomes clearer and the success of strategic decisions, whilst not predetermined, can be maximised. This is critical to risk control, 'know your customer' and the consistent treatment required by regulators in financial services and other regulated industries.

Our analytical solutions will be bespoke to your business needs, based on a thorough understanding of what is required and to what end. Our solutions are honestly and expertly delivered, and include:

• Application and behavioural scorecard development
  Utilising scorecards can ensure consistency in risk measurement and increased efficiencies in your loan underwriting processes.
• Attrition modelling
  By analysing and ranking the likelihood of individual customers defecting to another provider, customer loss (and associated costs) can be reduced, if not avoided, with targeted marketing programmes.
• Profitability modelling
  We can help you identify your most profitable customers so that both you and your customers can get the most out of your relationship.
• Cross-sell modelling
  Reap the benefits of being able to identify those in your customer base who are most likely to buy another of your products or services.
• Price-elasticity modelling
  If you can identify those customers who are most sensitive to price or interest rate movements you can design products and retention programmes to maximise value.
• Securitisation pricing
  Prior to the sale of mortgage portfolios, securitisation pricing robustly predicts future profits so that both vendors and purchasers can assess fair acquisition and sale structures.
• Independent model validation
  We can review and validate your in-house predictive models to both verify your outputs against ours and satisfy the FSA that further corroboration of your outputs has been sought and acted upon.
• Interim credit management
  We can provide an interim service to support new business launches which may not initially justify development of an internal credit management function.
• In-house training
  Our training programmes can be tailored to meet your information needs at all levels of your business. Our courses are designed to give you the tools and hands on experience to advance your future business decisions and unlock the potential held within your data. If you would like to register your interest in our training programmes, please call us, letting us know your requirements.