Risk Management

Make more informed decisions about risk. Reduce your risk exposure. Increase the profitability of your portfolio with our risk management services.

We can also help you satisfy regulatory requirements and recommendations. The Hong Kong Monetary Authority, for example, recommends that authorized institutions use consumer credit data from a credit reference agency as an essential part of a credit management system, unless there is a satisfactory alternative arrangement for the comprehensive sharing of consumer credit data.

Our risk management services include portfolio reviews, bureau scores and custom modelling.

Portfolio Reviews allow you to better understand customer credit standings over time. This can enable you to better manage risk, increase your profitability, and create and customize services to better meet your customer needs. You can also use the insights to tailor offers to the appropriate customers and build better, more profitable relationships.

Portfolio reviews help with the following and more:

• Customer account management enables you to make timely and sound decisions on credit limits, interest rates and payment terms.

• Portfolio management gives you the insight you need to monitor and address changes to your portfolio's risk level.

• Portfolio valuation gives you the ability to assess the performance and value of existing portfolios to help prevent losses and make better lending decisions.

Credit Scores
TransUnion provides different kinds of bureau scores, which can help credit providers predict the future credit activity of customers and prospects. For example:

• Credit Management Score predicts an individual's likelihood of a 90-day default in the coming 12 months.

• Personal Loan Score predicts delinquency of unsecured loans over the next 12 months. This score can help you evaluate credit in initial applications and loan assessments.

• Payment Behaviour Score enables you to predict the likelihood that consumers will pay in full over the next 12 months. You can use it to improve customer acquisition, product and offer development, and segmentation.

Custom Modelling
Models are a powerful tool to improve your ability to make sound, confident, consistent decisions about lending while minimizing your exposure. We can develop models tailored to your business strategy to increase revenue, reduce delinquencies and losses, and identify more profitable accounts throughout the customer lifecycle.