Give credit. But only where it is due.
An optimal lending process helps you strike the right balance between opportunity and risk. It should be fair, consistent and transparent in its decisions; seamless and slick in operation; insightful and flexible behind the scenes; and automated and smart in every way.
How can Experian help?
Investing in your lending process is an obvious way to boost return on investment. Not only can it help you win more business thanks to increased acceptance rates and reduced drop-out numbers, but it also ensures that you win the right type of business by offering customers affordable, tailored products. Discover how Experian can help you streamline your systems quickly and easily.
Pre-qualification
Using pre-qualification to send customers personalised credit offers is a popular strategy for attracting new clients to your business. Find out how automated tools can make use of shared banking data to ensure your lending proposals are enticing, timely and affordable to every individual, every time.
Find out moreCredit insight
Getting a complete picture of your customer’s financial well-being is essential before extending any type of credit. Discover how automated decision-making platforms and bureau data can assist in verifying a customer’s income and expenditure without adding friction to the approvals process.
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Business credit checks
Make sure you know who you’re dealing with when making B2B lending decisions. Commercial credit reports give you insight into the financial stability of business clients in the UK and around the world. Explore how they can reduce your risk when lending to businesses.
Find out moreCredit scoring and modelling
Assessing risk is a vital part of any lending process, whether it’s evaluating a customer’s eligibility for a loan or implementing high-level credit policies to cover different elements of your portfolio. Incorporating robust credit scoring and modelling solutions can help to streamline your lending process and mitigate risks great and small.
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Pre-collections / Collections
Moving to collections doesn’t have to have to be a disaster. Learn how debt recovery tools can help you recover more unpaid debt while simultaneously strengthening customer relationships and improving your brand’s reputation. Making your collections process fairer and more effective is easy when you know how.
Find out moreProcess management
Don’t get left behind. Effective process management can transform your lending process by helping you to quickly adapt and respond to customer needs. Find out how high-quality data and keen analytical tools can provide more meaningful communication, speed up responsible lending decisions, improve data collection and highlight cross-selling opportunities.
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Leeds Building Society's mortgage transformation
Experian helps Leeds Building Society cut mortgage decisions in principle to just 11 seconds.
Reduce your bad debt loses with Experian’s latest Commercial Risk Score
Use our value output calculator to see how much bad debt savings your business could generate.
Categorisation as a Service
Identifying customer vulnerabilities using bank transaction data.
A guide to credit risk scoring in a fast-moving market
A guide to credit risk scoring in a fast-moving market
Data for good
Credit Unions have new digital tools to reach the financially underserved. Find out more.
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