Upload
robertascherbarth
View
703
Download
0
Tags:
Embed Size (px)
Citation preview
© 2010 Experian Information Solutions, Inc. All rights reserved. Experian and the marks used herein are service marks or registered trademarks of Experian Information Solutions, Inc. Other product and company names mentioned herein may be the trademarks of their respective owners. No part of this copyrighted work may be reproduced, modified,
or distributed in any form or manner without the prior written permission of Experian Information Solutions, Inc.
Wanna know what I do for a living?
Here’s a brief overview…
© 2010 Experian Information Solutions, Inc. All rights reserved. 2
Here’s who my clients typically are…
Automotive
Banking
Credit card
Credit union
Insurance
Internet Merchants
Leasing
Mortgage
Public sector
Retail finance
Telecommunications
Utilities
© 2010 Experian Information Solutions, Inc. All rights reserved. 3
Source: 2009, Tower Group Research Study
My client’s top priorities in today’s market
Improving Analytics
Protecting portfolio
profitability
Managing increasing
delinquencies
+
+
© 2010 Experian Information Solutions, Inc. All rights reserved. 4
How we help our clients…
© 2010 Experian Information Solutions, Inc. All rights reserved. 5
My company is ExperianHere’s how we compare to our main competitors
3,000
0
500
3,500
2,000
4,000
2,500
1,000
1,500
Glo
bal
rev
enue
US
$ m
illio
n
77%
Experian Equifax
55% 80% 85% 91% 67%
33%
9%15%
45%
D&B Acxiom Harte-Hanks
Fair Isaac
1,7261,936
1,384
745
23%
3,821
20%
1,083
International
North America
© 2010 Experian Information Solutions, Inc. All rights reserved. 6
Overview of ExperianA top performing company on the London Stock Exchange
Totalgrowth
FY05 FY06 FY07 FY08 FY09
+30% +14% +14% +8%
FY05 FY06 FY07 FY08 FY09
+28% +15% +13%
21.0%21.9%
22.8%
20.0%
Our Vision
Sales Growth $m
EBIT $m and margin
© 2010 Experian Information Solutions, Inc. All rights reserved. 7
Our core competencies
75 scientists andanalytical consultants (in North America)
Full range of analytics to manage credit risk and fraud as well as optimize key P&L drivers
World-class data interpretation, modeling and optimization expertise
So
ftwa
re
Robust decisioning and services
• Origination• Customer / portfolio
management• Collections
Industry-leading optimization
Flexible platform for enterprise-wide decision making
Authenticate consumers at point-of-sales (i.e., Internet)
Monitor and detect application and early account fraud
Create positive customer experience
Automate review process
Meet compliance requirements
Across your entire book of business – Consumer, Small Business and Commercial
© 2010 Experian Information Solutions, Inc. All rights reserved. 8
What sets us apart
Flexible software
Better access to data
Deeper insight and
knowledge
Expert strategy
design and optimization
© 2010 Experian Information Solutions, Inc. All rights reserved. 9
Case Study:Fraud screening during online DDA account opening
Business objectives: ► Integrate instant, online fraud screening into
DDA account opening process to improve customer experience and reduce costs
Solution:► Precise ID for fraud screening adopted in multi-phased approach
Results:► Outperformed competitive solutions – identifying 82% fewer false
positives on high value accounts, ► Increased fraud detection and risk mitigation with more detailed and
robust fraud indicators provided► Improved customer experience► Reduced costs while auto-approving more applications► Over $2 million in estimated savings from operational efficiencies – not
including benefits from improved fraud detection
Top Ten Retail Bank
© 2010 Experian Information Solutions, Inc. All rights reserved. 10
“According to George Lennox, senior manager group credit and risk at HSBC, [Experian’s Strategy Management] was chosen after an extensive vendor evaluation that led to HSBC’s incumbent primary provider Fair Isaac being displaced”
“The new software will be implemented in all HSBC businesses”
“Once fully implemented, HSBC expects Strategy Management to make more than 50 billion customer decisions annually”
“HSBC had been utilizing Fair Isaac’s StrategyWare system since 1996 and it was in place within HSBC in 42 countries”
“HSBC had short-listed three vendors: Fair Isaac, Experian and CGI/AMS, and spent an entire year in the evaluation process”
In the end, “… Strategy Management was clearly better, concluded Lennox”
Case Study:HSBC’s global decisioning (from Bank Marketing International)
© 2010 Experian Information Solutions, Inc. All rights reserved. 11
Business objectives:► Sharpen collections strategy management
capabilities – with minimal capital outlay► Leverage Experian data storage
Solution:► Robust templated solution – Portfolio Management Package – with
integrated analytics, strategy design / decisioning, reporting and consulting solution
► Hosted solution requiring low in-house investments or resources
Results:
Implemented and continuously improved use through best practices consulting and professional services
► Collection staffing reduction of 25% while increasing portfolio size 72%► Delinquency rates improved by 26%► Cumulative savings of $3 million over five year period
Case Study:Decreasing the cost of collections
Captive Automotive Finance Provider
© 2010 Experian Information Solutions, Inc. All rights reserved. 12
Call to Action
What is your organization doing today to address its biggest pain points?
How can we partner with you to address these needs?
© 2010 Experian Information Solutions, Inc. All rights reserved. 13
Thanks for listening!
If there’s anything I can do to help you organization, too, let me know…
Roberta Scherbarth
Experian Decision Analytics Sales
Costa Mesa, California
714 830 7857
That’s me at a baseball game
© 2010 Experian Information Solutions, Inc. All rights reserved. 14