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Banking and Finance

The landscape of banking and finance, in today’s economy, are littered with the casualties of tight capital markets, unprecedented delinquencies and write-offs, and severe resource constraints. Banks and financial companies, such as GE Capital, BlueTarp Financial, Wright Express, and XtraLease are succeeding during this “recessionary storm” utilizing PredictiveMetrics’ industry/finance specific statistical-based portfolio scores for credit and collections management and underwriting. These companies and other clients are realizing a significant improvement in cash flow, a dramatic reduction in delinquencies, losses, and operational costs while expending their limited resources and personnel most effectively.

Portfolio Credit Management and Early Stage Collections

CollectionStrategyScore^SM – Consumer (B2C) portfolio management model for credit and collections that predicts the risk of any consumer becoming severely delinquent, going to loss or bankruptcy over a six-month period. Helps with implementing risk-based collections and can be used for new credit authorizations with existing customers, portfolio management and credit line management.

FinancialRiskScore^SM – Commercial (B2B) portfolio management model for credit and collections for commercial credit cards, installment loans and lines of credit. Predicts the probability of severe delinquency (you determine bad definition) or loss at some point between six and twenty-four months from the date of the score. Helps with implementing risk-based collections and can be used for new credit authorizations with existing customers, portfolio management and credit line management.

LeaseRiskScore^SM – Commercial (B2B) portfolio management model for credit risk and collection prioritization that predicts the probability of severe delinquency (client determines BAD definition) beyond terms or loss for leasing with monthly or quarterly payments. Customers use the scores for more cost-effective collection prioritization, lease line management, repeat transactions with existing customers, and calculating bad debt reserves.

ScoreMiner^SM - Web-based credit and collection scoring, data mining, report and query system that leverages the predictive power of PredictiveMetrics’ industry/finance specific and custom portfolio scores. Customers use ScoreMiner’s various filtering and reporting capabilities to review and analyze information, to measure credit and collection performance and provides detailed information and graphical analysis by risk class and credit risk change over time.

Late Stage Collections, Debt Selling, Agency Management

CardCollectionScore^SM - Consumer and commercial collection models for bank, retail, credit, and charge cards that predicts the expected value of an account and propensity to pay the late stage delinquent obligation, charged-off debt or accounts placed for collection through tertiary and beyond. Customers use the scores for determining which accounts to keep, sell, or outsource for agency management.

UltraCollectionScore^SM – Consumer and commercial collection models that predict the expected value of an account and propensity to pay the delinquent obligation – specific to debt type, age, and balance among other features. Our customers use the scores for determining which accounts to keep, sell, or outsource for agency management.

PriorityScore for Collections^SM Powered by PredictiveMetrics – Suite of blended collection scoring models that combine Experian’s credit data with the client’s account level data on the debtor – segmented industry, age, and balance. Predicts expected payment amounts and probability of payment from consumers or businesses with the capacity to pay. Our customers use the scores for determining which accounts to keep, sell, or outsource for agency management.

Underwriting

Lease Decision Scores^SM – Suite of underwriting scores that are co-branded with Experian BIS. The models utilize actual leasing performance data from several major leasing companies and are blended with Experian commercial and consumer data. The score predicts a 90 day delinquency beyond terms and/or charge-off within a 24 month period.