|
| |
|
|
Delphi Suite
|
|
| |
 |
|
Your gateway to informed Risk Management Decisions |
 |
 |
Today's credit grantor needs an effective tool to consolidate all credit information and deliver a simple and intelligent guide to assess the credit risk of new and existing customers. Experian's Delphi suite of highly predictive and National Credit Act (NCA) compliant generic bureau scorecards provides organisations with a complete view of new applicants and existing customers to assist in the effective assessment of credit risk and to support responsible lending to South African consumers.
|
|
|
| |
| |
| |
| |
|
The Delphi Suite is a trio of statistically proven bureau scores each comprising of a number of scorecards all scaled to the same risk that can be delivered as a range or risk grade.
The Delphi suite includes 3 generic bureau scores: Delphi for New Business, Delphi for New Markets and Delphi for Customer Management.
|
|
Delphi for New Business
Experian's Delphi for New Business (DNB) is a highly predictive generic bureau scorecard that provides organisations with a complete view of new applicants. DNB is a refreshed acquisition bureau-based scoring model featuring even greater predictive strength than its predecessors. DNB assists traditional lenders in targeting and acquiring the most appropriate customers in the market.
|
|
Delphi for New Markets
The growing opportunity to provide credit products to new market entrants is changing the way credit providers do business in South Africa . Experian's Delphi for New Markets (DNM) is a highly predictive generic bureau scorecard that has been designed to effectively assess the credit risk of new market entrants, new portfolios and emerging markets where such segments may be classified as higher risk. This new addition to the Delphi offering promises to provide lenders to the higher risk market segment greater assurance that their customers will perform well, if accepted and will strongly support responsible lending within this segment.
|
|
Delphi for Customer Management
In addition to acquiring new customers, lenders also need to manage risk and optimise profitability within their existing customer base. Delphi for Customer Management (DCM) will assist credit providers in deploying effective customer management strategies such as limit increases, product cross-sell campaigns and prioritisation of collections across all segments. For credit providers' that already have in-house behaviourial scoring systems, Delphi for Customer Management can provide an accurate risk assessment of activity outside their organisation, providing a true customer view. If not, DCM is predictive enough to be used as a stand-alone behavioural score.
|
|
Business benefits
- Better decisions - Access to Experian's vast array of data assets and analytics enables the client to make the right decisions to grow their business but at the same time control bad debt, business risk and exposure
- Greater predictive strength - Used samples featuring applications for high-risk credit products (micro-loans).
- Compliant - In line with the spirit of the NCA, the Delphi Suite places the strongest emphasis on recent behavioural data to allow consumers the opportunity to rehabilitate themselves financially, if necessary.
- Cost effective - It frees up time and cost associated with the development, implementation and monitoring of custom-built scorecards.
- No degradation over time - The Delphi suite is regularly reviewed which allows the quality of decision-making to be maintained.
- Tailored to business requirements - Additional characteristics can be added for specific organisation or market sectors.
- Local support - Experienced scoring specialists are always available to provide support.
|
| |
For more information on Delphi Suite click here. |
| |
|
|
|
|
