CONSULTANCY MENU

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Dedicated expertise and consultancy to help you make smart and responsible decisions

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CONT

ENTS

CONSULTANCY AND ANALYTICS OVERVIEW 2

Health Check 3

Scorecards 4

CallValidate Consultancy 5

Applicant Profile Comparisons 7

Post Decline Analysis 9

Fraud Optimisation 10

Market Insight 11

Expert Consultancy Across All Industries 12

Our Consultancy Offerings 13

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At the heart of Callcredit’s proposition is an absolute commitment to helping our clients make smarter, more accurate decisions. Callcredit provides support from our experienced team of specialist consultants and analysts. Support can include the provision of suggested policy rules and advice on which concepts are typically the most predictive data variables, as well as more in-depth consultancy such as Post Decline Analysis, Applicant Profile Comparisons, Health Checks and Scorecards.

Our wealth of expertise, innovation and dedication ensure our clients receive unrivalled levels of service, whether supporting ongoing activities, transferring from another data provider or launching UK operations

Consultancy and Analytics overview

Talk to the experts - our wealth of expertise,

innovation and dedication ensure that you receive

unrivalled levels of service and support

UNRIVALLED EXPERTISE. INTELLIGENT DATA.

SMARTER DECISIONS. DEDICATED TEAM.

HEALTH CHECKS

APPLICANT PROFILE

COMPARISONS

SCORECARDS

CALLVALIDATE CONSULTANCY

POST DECLINE ANALYSIS

FRAUD OPTIMISATION

MARKET INSIGHT

REDUCE DEFAULT RATES, INCREASE ACCEPTANCE

LEVELS AND OPTIMISE COST PER FUNDED LOAN

HEALTH CHECK

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We can help you reduce defaults, increase accept rates and optimise cost per funded loan.

Our expert consultants will work with you to review your existing scorecards, rules and processes across new business, customer management and collections.

Taking into consideration your overall business strategy we can make recommendations to:

• Ensure you get the most value from your data by reviewing existingscorecards, policy rules and processes

• Make sure you are conducting ID, bank, affordability and fraudchecks in the smartest and most efficient order

• Reduce time delays and eliminate unnecessary manual checks

Callcredit have unparalleled expertise and experience in the Short Term and Alternative Lending sector and can provide valuable insight and advise of best practise on the use of both internal data and credit reference agency (CRA) data to help you improve the accuracy of your decisions.

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SCORECARDSCreated for the Short Term and Alternative Lending sector.

Callcredit’s generic scorecards are a great way of quickly setting up a robust strategy using an “out-of-the-box” solution and are being used by a large number of our Short Term and Alternative Lending customers. The scorecards use fields from our Bureau Summary Block and can easily be coded up client-side using the instructions provided in the documentation.

SHORT-TERM SCORECARDSpecifically designed for our Short Term lending clients, this score has been built using only single payment loans of approximately one month in length. The score-building process involves analysing each concept in isolation to evaluate how predictive they are, before passing through coarse classing, variable clustering, and logistic regression.

MID-TERM SCORECARDTo enable our clients in mid-term lending to make informed decisions that use the full depth of our data, our consultancy team have created a score built using only loans from this sector and the same method is used as for our short-term scorecard.

CUSTOMISED SCORECARD BUILDOur consultancy team are able to use your historic good, bad, and declined customers or use our data extract to create a scorecard specific to you. This ensures that the scorecard you are using contains the concepts most appropriate to your data, and that it is as predictive as possible for the applicants you are attracting.

WE OFFER GENERIC SCORECARDS OR THE

OPTION TO HAVE A CUSTOMISED SCORECARD

SPECIFIC TO YOU

OUR CONSULTANCY TEAM HAVE CREATED

SCORECARDS FOR A NUMBER OF OUR SHORT TERM AND

ALTERNATIVE LENDING CUSTOMERS

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WITH OVER 70 VARIABLES, WE CAN SHOW YOU HOW

TO USE CALLVALIDATE MORE EFFECTIVELY

END TO END CONSULTANCY SUPPORT

TO HELP YOU GET THE MOST FROM CALLVALIDATE

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Helping you get maximum value for your investment.

CallValidate is a complex solution with numerous modules used in different stages of the application process. We’ve found that customers often only use a fraction of its capabilities and at Callcredit we are determined to ensure that this doesn’t happen to you. We want to help you maximise your investment in CallValidate by using the right combination of checks at the relevant part of the process.

Consultancy DetailsCallcredit has designed a CallValidate consultancy package aimed at clients in the Short Term and Alternative Lending sector to ensure the optimum use of the service, helping you to increase your acceptance rates and approve the right customers.

Our consultants will work with you to review your application process and devise an implementation plan so you get maximum value out of the solution and decline the right applicants as early as possible.

Our CallValidate consultancy service typically includes:• Data trial design and analysis to highlight predictive variables

• Scorecard & policy rule set up• Performance review (existing clients)

• ID & fraud strategy recommendation

• Decision tree analysis

• Implementation support (on-site)• Process optimisation

• Conduct checks in the most cost effective manner

• Post implementation monitoring (matching/pass rates)

CALLVALIDATE CONSULTANCY

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WITH OVER 70 VARIABLES, WE CAN SHOW YOU HOW TO USE CALLVALIDATE MORE EFFECTIVELY

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APPLICANT PROFILE COMPARISONS

Understand how your portfolios compare to your competitors.

We can provide a comparison against a benchmark of your peers covering a range of KPIs so that you are aware of where you are ahead and where you are falling behind the curve.

We can provide one-off or regular monthly reports to help you build and enhance your business strategy and stay ahead of the crowd.

KPIS INCLUDE:

Loan size

Performance

Gauge and OI Scores

Affordability Metrics

Bankruptcies and Insolvencies

Default and delinquency rates

Age and geo-demographics

ENHANCE YOUR STRATEGY AND STAY AHEAD OF YOUR COMPETITORS

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OPTIMISE YOUR ACCEPTANCE RATES AND MAKE SURE YOU ARE DECLINING AND ACCEPTING THE

RIGHT PEOPLE

Do you have the correct acceptance criteria?

Are the applicants you decline taking loans elsewhere? If so, are they defaulting on these loans or are they paying them back?

Callcredit can run your declines against our SHARE database and return the data to enable you to analyse your applicant’s performance elsewhere. By sharing this analysis with you we can help you to fine tune your acceptance criteria and ensure you are accepting and declining the right people.

Callcredit will carry out retrospective analysis on a sample of the client’s declined portfolio, both at the point of application and at a specified outcome post decline (typically 3 months). Following this a detailed analytical exercise will be undertaken to illustrate post decline performance and suggested strategies.

ANALYTICS REPORTTo ensure you get maximum insight from our analysis, our consultants will present the findings back to you and run through all possible outcomes to make sure you fully understand what impact changing your acceptance criteria would have. If you prefer the raw data we can provide this service without a report.

OUTPUT FILEThe full Bureau Summary Block (BSB) and the following raw data variables will be appended and provided to the client for review and further analysis:

• Account type

• Opening balance

• Open date

• Current balance at outcome date

• Account status codes

• Payment status

ENSURE YOU ARE ACCEPTING AND DECLINING

THE RIGHT PEOPLE

WE OFFER A RETROSPECTIVE ANALYSIS ON A SAMPLE OF YOUR

DECLINED PORTFOLIO

POST DECLINE ANALYSIS

WE CAN HELP YOU TO PUT FRAUD CHECKS IN PLACE

WITHOUT IMPACTING THE CUSTOMER JOURNEY

Could your fraud strategy be more effective?

We can work with you to provide a bespoke fraud and verification strategy tailored to your target customers.

We are experts in fraud and verification and have a team of expert fraud consultants who are experienced in dealing with online and application fraud risks.

Our fraud consultants will conduct analysis on your business strategy and current fraudulent activity– from this we can help to formulate an enhanced strategy, and work with you to implement smarter fraud defences.

WE CAN HELP YOU TO:

• Reduce fraud losses

• Reduce false positives

• Improve pass rates

• Improve the customer experience for legitimate applicants

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FRAUD OPTIMISATION

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Take the risk out of launching a new product and speed up the process of going to market.

Significant changes in the market have prompted many Short Term and Alternative Lending providers to diversify into new products such as instalment and revolving credit. This can be a slow and resource intensive process, involving a soft rollout while the lender works on their strategy. Callcredit can help you get new products to market in the fastest possible time.

The report we offer can help you to better understand your target market and set appropriate risk and fraud prevention criteria for new products. Using anonymous data samples we enable you to develop more accurate scorecards and policy rules before the product is launched. Having helped many clients through this process our expert consultants are ideally placed to work with you to refine your initial scorecards and rules to optimise performance.

The report provides:• Applicant profile by lending group

• Loan values

• Customer demographics

• Age profiles

• SHARE data (active accounts by group, credit cardsand credit activity)

• Short term loans (history of short term loans per group& number of lenders)

• Derogatory data (bankruptcies, judgments, insolvenciesand defaults)

• Current credit lines and utilisation per group

Market insight

WE CAN PROVIDE A REPORT WHICH WILL

HELP YOU UNDERSTAND YOUR TARGET MARKET

USE OUR MARKET INSIGHT REPORT TO SET

APPROPRIATE RISK AND FRAUD PREVENTION CRITERIA

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AS THE LONGEST SERVING DATA PROVIDER IN THE UK

SHORT TERM AND ALTERNATIVE LENDING SECTOR WE CAN

PROVIDE LENDERS WITH AN UNRIVALLED LEVEL OF

EXPERIENCE AND EXPERTISE

EXPERT CONSULTANCY ACROSS ALL INDUSTRIES

Our dedicated consultancy team work with businesses from Financial Services as well as Insurance, Public Sector, Gaming, Retail and Debt Management. We work with all our clients to ensure they are getting the best possible results from our products.

By working through all stages of the customer lifecycle with our clients, our consultants are able to make recommendations and implement changes to get real results.

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INDUSTRIES & SECTORS

Origination Customer Management Retention Debt

Management

Retail

Gaming

Public Sector

Debt Management

Insurance

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BANKING

EXPERTISE & SERVICES

Risk Management

Fraud Prevention

Analytics & Modelling

Strategy Optimisation

Benchmarking

Model Development

Operations

Scoring

Best Practice Advice

Segmentation

Insight

Collection & Recoveries

Review Measure Analyse Improve Control

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Our Consultancy Offerings

We offer a range of Consultancy packages; each of them includes the listed services but is not limited to. The time scales given are approximate and each Consultancy package is different depending on the customer’s requirements. We would advise that you speak to a consultant directly for more information on time scales.

CONSULTANCY OFFERING

TYPICAL LENGTH OF TIME

SERVICES INCLUDED (NOT LIMITED TO)

Foundation

Developing

Advanced

Consultancy Licence

• Product implementation support

• Product workshops

1-5 days

6-10 days

Up to 30 days

Anything over 30 days

• Product implementation support

• Product workshops

• Analysis

• Reporting

• Product implementation support

• Product workshops

• Analysis

• Reporting

• Service reviews (equivalent of 1 day onsite)

• Industry insight

• Product implementation support

• Product workshops

• Quarterly onsite service reviews (equivalent of 1 day onsite)

ALTERNATIVE FINANCE

AS THE LONGEST SERVING DATA PROVIDER IN THE UK SHORT TERM AND ALTERNATIVE LENDING SECTOR WE CAN PROVIDE LENDERS WITH AN UNRIVALLED LEVEL OF EXPERIENCE AND EXPERTISE

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call 0113 220 1616

visit www.callcredit.co.uk/LENDING

email contact@callcreditgroup.com

Contact our dedicated Consultancy team