Risk and yield scoring
Risk and yield scoring
Be one step ahead right from the beginning, retain your customers and keep them on track
You set the course for a profitable portfolio at the beginning of the customer relationship: an optimum decision requires a reliable prediction of the expected customer behaviour (e.g. payment of the purchase or repayment of a loan) when receiving the application. Potentially profitable customers should be acquired while customers with a high risk should be avoided from the very beginning.
Value-oriented customer management
Value-based customer management allows you to tap the full potential of customer relationships using powerful predictions of profitability and risk. Only the analysis of the behaviour data of existing customers allows you to keep customer value permanently at the highest possible level, because management of existing customers provides optimized portfolio management at all further points along the customer life cycle.
A yield-optimised management of payment methods enables you to offer the adequate payment method and limit to every single customer that fits their individual risk and potential. Thus, all potential revenue can be reached with controlled risk.
Using scoring, you will be able to manage strategic decisions within the sphere of influence of risk assessment, portfolio profitability and improvement of the customer relationships.
Increase your revenue, reduce risk and increase productivity
Optimized customer-value management from the very beginning by
Learning from the past.
Considering all available information including external information is possible.
Quantitative management of your customer portfolio.
Permanent increase in customer value.
Optimization of even complex customer relationships.
Flexibility and transparency by means of
Objective criteria for selecting adequate customer characteristics.
Clearly comprehensible algorithm.
Automated regular limit checks.
Prompt use of current data regarding transactions and behaviour.
Competitive advantage through cost-efficient use of internal data.
Customer-specific adaption to your business processes by using
Statistic development based on your data.
Considering your portfolio objectives right from the beginning with possibility of segmentation for heterogeneous portfolios.
Optimized customer service using risk-adjusted communication.
Responsible limit management.
Instrument accepted for Basel II/III