Risk Analytics

Companies need to balance credit risk during both pre-acquisition and post acquisition of customers. The fine line between being too apprehensive or too aggressive in customer acquisition strategies makes a big difference between curtailment of revenue growth opportunities and compounded credit losses. Our team’s expertise in utilizing advanced statistical, econometric and business strategy tools helps companies address key business issues in credit risk management, account management, underwriting, collections, and new customer acquisition leading to higher profitability with minimum default risks.

Some of our key expertise and strengths within these areas provides optimum risk analytics solutions using rigorous data analysis and modeling to understand and predict consumer risk and help you make decisions that optimize you business goals and address significant questions:



	What is the right cut-off score for accepting/rejecting applications? How much revenue and portfolio growth can be anticipated with our current / new credit policy? How to reduce inefficiencies in the credit verification program to correlate with repayment pattern of customers?

Application / Credit scoring



	How to grow the business profitably by controlling associated risks? How to improve approval rates at the time of customer acquisition? How to keep the underwriting costs low? How to manage ongoing customer risks? How to manage pricing and line assignments? How to become proactive in managing risks in a dynamic environment?

Risk Modeling and Underwriting strategy, Customer Risk Management



	How do we estimate and provide for loss on our portfolio? What is the appropriate customer scoring and risk assigning methodology for early identification and prevention of fraudulent claims?

Loss Modeling, Fraud Modeling



	Which customers are expected to default/go on loss/bankrupt and should be put on an accelerated collections program? How can we assess the propensity of a customer to repay once in default? What is the right strategic choice between outsourcing collections and retaining collections in-house?

Collections and recovery modeling