Products and Services

We provide analytic consulting services to clients in a variety of industries, including direct and indirect installment lending, specialty automotive, mortgage and secured loans, credit cards, retailing, small business and e-commerce.

We have expertise in credit risk management, including account origination and account management; best practices benchmarking of consumer credit operations; decision support, including tracking and analysis; project management and project quality assurance; assistance with regulatory compliance issues; custom analytics; and extensive experience in statistical model development.

Our specific services include:

Project Management Support and Knowledge Transfer:
We provide project management support for a variety of analytic projects. We can save you the cost of full time staff, or enhance their productivity. We help ensure project quality and schedules by reviewing project design, conducting weekly status reviews, and attending key project site meetings. We can also train your staff in many areas of custom analytic projects, including sampling, database design, variable generation, segmentation analysis, reject inference, and weights engineering.

Custom Model Development:
We develop a broad variety of custom models:
  - applicant decisioning,
  - account management,
  - loss projection,
  - collections,
  - recovery,
  - fraud prediction,
  - response prediction,
  - revenue prediction,
  - account attrition.

We work closely with your IT staff to design the development data-bases; we perform all needed data analysis and cleansing; we select the most robust and representative sample; we select the most powerful predictive variables; we conduct model segmentation analysis to assure you that you do not buy either more or fewer models than you need; and we work closely with your IT and legal staff to help ensure the implementability and legal compliance of all models.

Tracking/Decision Support:
We can help you design and implement your own suite of tracking reports, or send us your data and we will produce the reports for you on a regular basis. We can also review your reports, and provide written analysis of model performance, scoring adherence, credit policy and loan underwriting effectiveness, and identify shifts within your applicant or account populations.

Regulatory Compliance:
We can help you prepare for upcoming regulatory reviews to identify and address potential problem areas; help you respond to regulatory inquiries or examination points; reduce the disparate impact of your decision processes, and conduct confidential, custom analyses to assure you of fair lending compliance.

Basel II Compliance:
We can help you develop all necessary PD and LGD models, can assist with database issues, perform independent validations and provide detailed training to your Basel II team.

Custom and Ad Hoc Analyses:
We work with you to design and rapidly complete a variety of custom analyses, including Credit Policy Analysis, Model Validation and effectiveness tests, Data Quality Analysis (or credit bureau preference analysis), Override Analysis, among others.

Customized Risk Management Training:
In addition to our regional training seminar "Better Consumer Lending - Using the Latest Score-Based Risk Management Techniques", we offer custom training seminars that can be conducted at your site to reduce travel costs and time out of the office. Seminars may be customized to your industry, or even to your specific models and portfolios.

Risk Management Consulting:
Our consulting group can assist you in a wide variety of areas including a detailed analysis of the impact of loan prepayment on portfolio profitability; an analysis of your use of tiered pricing and how to make it more effective; an examination of patterns of loan conditioning and ways to increased your booked loan rate; an evaluation of possible strategies designed to help you offer the most appropriate loan amounts, loan pricing and terms at the initiation of the client relationship; and a best practices benchmarking of your operation.

Our international client expansion continues with leading credit card lenders in Japan and Australia, and top mortgage lenders in China.




What Clients say:
"You built a set of 10 account management models, generating and analyzing over 500 variables for each model, using both Masterfile and CB data, and delivered them in just 12 weeks from receipt of data. I've never seen anyone able to do that before. And oh yes, KS values into the 60's. Amazing."
Chief Credit Officer,
Top Ten US Bank