An introduction to Experian in the Middle EastWith over 30 years of experience, Experian is at the forefront of credit risk management

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We help our clients maximise profitability and growth in credit risk management

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About us

Companies and organisations are amassing vast quantities of data and interpreting this is vital. We use data science, analytics and technology to unlock the value hidden in data.

With more than 3,000 technologists and data scientists, we are experts in connecting, organising and interpreting the huge volumes of data being generated in society today. We transform it into useable information, helping our clients to draw conclusions about how to manage their organisations.

We use analytics to create sharper customer insight helping our clients make the right decisions on hundreds of millions of credit related activities every year, including checking that applicants are who they say they are, preventing fraud.

We work with thousands of clients in over 90 countries, from all of the world’s best known consumer financial services companies, through to the world’s leading telecoms providers.

Through combining our own data with data from our clients and from third parties, which is then transformed in to meaningful information and insights, we help you to achieve your business goals.

Our technology helps our clients to manage their data, decision making and workflows. We develop credit risk scores, models and software to service your needs.

We are Experian

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We help clients across the customer journey, to…

PLAN how and where to develop products

and services - through understanding

customers and trends in each market.

MAKE the right offer at the right time using the right forms of communication.

Find and get to KNOW valuable customers - understanding their likely needs, preferences and behaviours.

Plan Know Acquire

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MANAGE customer retention and prompt payments.

GROW customer relationships - selling more products or services to them, where appropriate.

Manage Grow

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We help our clients at every stage of the customer journey with our unique capabilities in…

Customer Insight Credit RiskMarket Insight

With technology, competitors and customers constantly changing, it is important to gain insight into the market to predict future trends, stay ahead of these changes and drive growth.

We help assess market performance and position, predict and plan for the future, and make better strategic tactical decisions.

Understanding people is key to acquiring new customers and retaining existing ones.

We help better define target audiences, find new customers and segment them, predict and understand their behaviour, and stay alert to key life events.

Managing risk when offering credit is vital.

We help better understand the risks clients face in their markets, create appropriate policies, automate credit granting decisions, and identify and retain profitable customers.

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Application Processing Debt ManagementFraud Detection

The strategic challenge is to prevent fraud without degrading the customer experience, across the multiple channels clients use to attract, retain and engage valuable customers.

We provide data, analytics and software to help detect cases of fraud and assess fraud risk.

It’s important to determine if a person or business is worth taking on as a customer.

We help our clients decide whether potential customers are eligible for what they are applying for, the associated risk of fraud and determine their ability to make repayments.

Efficient debt management is crucial to maximising profitability without alienating valuable customers.

We help enhance our clients’ records to ensure they’re contacting the right customers, automate decision making, improve workflow and minimise the impact on customers.

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We help our clients at every stage of the customer journey with our unique capabilities in…

Cross-Channel MarketingData Quality and ManagementConsumer Services

Consumers are looking to better understand how to improve their financial status, and protect their identities.

We provide online access to a person’s credit report and score, enabling them to understand how to improve their financial position and spot potential signs of identity theft. We also help affiliate partners provide these services to their customers.

Rapid changes in technology are impacting how customers interact with brands. Convenience is key, and as a result, customers expect seamless and co-ordinated communications across multiple channels.

We help brands connect with their customers through their preferred channels, with tailored campaigns.

Ensuring data is “fit for purpose”, current, accurate and makes sense is key to an organisation’s ability to make informed decisions.

We provide software, analytics and advice to help keep data current, clean and accurate. We can also enrich customer data from other relevant sources.

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Vehicle Identities Identity SolutionsPortfolios and Regulation

Our clients are looking to optimise their credit portfolios’ performance.

We help identify market opportunities and risk, benchmark portfolios, predict the impact of external events, and also help to check that processes and procedures comply with relevant regulations.

For most buyers, vehicles are second only to houses in terms of cost and significance.

We help confirm the identity of a vehicle and its history, including its mileage, minimising the risk of purchasing a problem vehicle.

Our clients face a range of challenges related to identity authentication, as they need to be confident that they are dealing with legitimate people and businesses.

We help assess a customer’s risk of identity theft, check identity documents and devices used for transactions.

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We guide in adapting to changing market influences

Technology

OUR RESPOnSE

Combine our expertise in data, analytics, technology and consultancy

Data

OUR RESPOnSE

Growing the value of our unique data

Consumers

OUR RESPOnSE

Putting consumers at the heart of our business

Regulation

OUR RESPOnSE

Helping clients to navigate new requirements

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Experian OfferingsServices, software and global consultancy

Enable a holistic and customer centric view of the customer relationship

Credit RiskLifecycle

SoftwareSolutions

Analytics andScorecards

GlobalBusinessConsultancy

• Originations and acquisitions

• Customer account management

• Collections and recoveries

• Fraud

• PowerCurve Originations• PowerCurve Strategy Management

• PowerCurve Customer Management

• Tallyman EasyStart• Tallyman for Retail Banking

• Hunter• 41st Parameter

• Application SC • Credit cards• Personal loans• Auto loans• Mortgage• SME• Small business loans

• Behavioural SC• Credit cards• Personal loans• Auto loans• Mortgage• SME• Small business loans

• Collections SC• Credit cards• Personal loans• Auto loans• Mortgage• SME• Small business loans

• Fraud SC• Credit cards• Personal loans• Auto loans• Mortgage• SME• Small business loans

• Average of 20 years experience per consultant• Deep expertise in acquisition, customer management, fraud and collections for small business and consumer lending• Teams with local knowledge of best practices

• Business review: identify value creation opportunities• Strategy review: improve and refine existing decision strategies• Strategy design: design new decision strategies• Specialized ad-hoc consulting

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United Arab Emirates• Collections management software• Marketing software• Analytics for SMEs• Analytics for originations• Analytics for customer account management• Analytics for collections• Global business consultancy

Lebanon• Originations software• Global business consultancy• Analytics for originations

Oman• Global business consultancy• Analytics for SMEs• Analytics for customer account management• Analytics for originations

Kingdom of Saudi Arabia• Software for originations• Software for collections• Software for customer account management• Global business consultancy

Egypt• Analytics for originations• Behavioural analytics• Originations software• Global business consultancy

Jordan• Global business consultancy• Analytics for originations• Originations software

Qatar• Global business consultancy• Analytics for originations• Originations software

Kuwait• Analytics for originations• Global business consultancy

Bahrain• Software for originations• Software for collections• Software for customer account management• Global business consultancy

Experian in the Middle EastLocal Expertise

The Experian Middle East team based in Dubai services the region and consists of:

Global business consultancy, project management, project delivery, analytical services and business development.

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Experian provides Credit Risk Management solutions across the Middle East region

United Arab Emirates• Collections management software• Marketing software• Analytics for SMEs• Analytics for originations• Analytics for customer account management• Analytics for collections• Global business consultancy

Lebanon• Originations software• Global business consultancy• Analytics for originations

Oman• Global business consultancy• Analytics for SMEs• Analytics for customer account management• Analytics for originations

Kingdom of Saudi Arabia• Software for originations• Software for collections• Software for customer account management• Global business consultancy

Egypt• Analytics for originations• Behavioural analytics• Originations software• Global business consultancy

Jordan• Global business consultancy• Analytics for originations• Originations software

Qatar• Global business consultancy• Analytics for originations• Originations software

Kuwait• Analytics for originations• Global business consultancy

Bahrain• Software for originations• Software for collections• Software for customer account management• Global business consultancy

Argentina

Australia

Austria

Brazil

Bulgaria

Canada

Chile

China

Colombia

Costa Rica

Denmark

France

Germany

Greece

India

Ireland

Italy

Japan

Malaysia

Mexico

Monaco

Netherlands

New Zealand

Norway

Peru

Poland

Russia

Singapore

South Africa

Spain

Taiwan

Thailand

Turkey

United Kingdom

United Arab Emirates

United States

Venezuela

With 17,000 employees across 37 countries…

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We have a strong track record

FY07 FY08 FY09 FY10 FY11 FY12 FY13 FY14 FY15

2,930

616

12%

102%

8%

100%

4%

99%

3%

101%

2%

100%

8%

98%

10%

96%

8%

94%

5%

101%

1%

104%

3,407

747

3,712

848

3,790

896

3,803

932

3,859

991

4,456

1,169

4,582

1,244

4,772

1,309

4,810

1,306

FY06

Revenue US$m EBIT US$m Organic revenuegrowth

Operating�cashconversion

Global continuing activities revenue and EBIT only. Excluding growth rates, FY06 to FY13 revenue, EBIT and operating cash conversion may have been adjusted to exclude various discontinuing activities and discontinued operations - for further information refer to the respective Annual Reports available on www.experianplc.com. Benchmark EPS growth shown as initially reported. EPS and dividend growth rates are shown from FY08, the first year in which comparable prior year figures were available, following IPO in FY07. Revenue growth shown at constant FX rates. Growth rates are not restated.

FY15 revenue of US$4.8bn and EBIT of US$1.3bn

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1 Year ended 31 March 2015 2 Year ended 31 December 2014 3 Year ended 31 March 2014 4 Year ended 30 September 2014 * US only.

Source: Latest full year revenue, company SEC filings

We’re the market leader with unparalleled global reach and range

1,098

31,305

21,682

2

2,436

2

4,810

1

789

4

Acxiom FICOTransUnionD&BEquifaxExperian

49

51 19

8126

74 15

8513

87 42

58

Global Revenue US$m % Other regions % North America

Global revenueMore than double the size of nearest competitor, broader range

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Experian Dubai OfficeDubai Islamic Bank Building 01

Office 102, First FloorDubai Internet City

Dubai, UAEexperian.middle.east@experian.com

+971 437 581 52

© Experian 2016. The word “EXPERIAN” and the graphical device are trade marks of Experian and/or its associated companies and may be registered in the EU, USA and other countries. The graphical device is a registered Community design in the EU. All rights reserved.