answer tough questions quickly with data and analytics · internal data spread across many data...

#AnalyticsXC o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.

Answer Tough Questions Quickly With Data and AnalyticsChris FricksSenior Product ManagerExperian

©2016 Experian Limited. All rights reserved. Experian and the marks used herein are service marks or registered trademarks of Exper ian Limited. Other products and company names mentioned may be the trademarks of their respective owners. No part of this copyrighted work may be reproduced, modified, or distributed in any form or manner without prior written permission of Experian Limited. Experian Public.

Experian Analytical Sandbox™

Direct Access to the Credit Universe

3©2016 Experian Limited. All rights reserved.

Experian Public

Internal data spread across many data repositories and corporate silos with no central hub dedicated to analytics

Access to internal performance data only, which gives a limited view of the market and could lead to biased views and missed opportunities

Long lead times and complex workflow when working with archived credit data, which delays decision-making and strategy implementation

Slow decision-making and speed to market due to internal budget and prioritization issues

Compliance with FCRA regulations when using consumer data to perform analytics, modeling and strategy validations

Your challengeLimited credit data for analytics and decision-making


Experian Public

Your opportunityDirect access to structured data to win, serve and retain customers

Perform analytics your way with perpetual access to a growing database of historical credit data

Leverage and build multi-consumer relationships across product types and eliminate silos with access to trade line data, public records, trended data, Experian models, scores, attributes and more

Simplify workflow to increase speed to market up to 30%

Run multiple analyses simultaneously with no waiting on internal prioritization and funding

Comply with FCRA regulations through depersonalized consumer data


Experian Public

Speed time to market


Experian Public

Analytics your way

Fast, easy access to the highest quality of depersonalized structured trade line data for analytics and research to speed decision-making and strategy implementation:

Gain new market insights –Evaluate market trends for next best product and strategy planning

Assess and prospect more effectively –Build, test and calibrate your prospecting strategies to ensure optimal targeting

Manage risk – Get an unobstructed view into what is really going on in both the market and your portfolio

Develop superior account management strategies – Gain wallet insights to manage customer risk and profitability


Experian Public

What is the Experian Analytical Sandbox?

What is it?

Big data analytical solution with immediate access to archived credit data in a securely hosted, user-friendly environment:

Monthly snapshots

Familiar analytics tools (SAS)

FCRA non-regulated data

Scalable Hadoop cluster processing

What makes it different?

True historical 10% national sample

- Includes opt-outs

- Includes trade line data

- Includes access to Experian scores

and attributes

Growing to 60 months of history!

Client customer and trade keys for sample

Anonymization service for linking data

Low entry price and scalable for growth


Experian Public

High level schema of Experian Analytical Sandbox


Experian Public

Get more, do more

Key topic Description Approach

Score migration

Gauge movement of key score averages and relationship to performance with industry comparisons

Calculate VantageScore® migration for client portfolio and overall industry

► New account vs. existing accounts

► How do balances on/off client differ for those that migrate 20+ points?

BenchmarkingDevelop key portfolio stats

Coded for generic benchmark to industry

Evaluate correlation between lines of business (auto, mortgage, card, etc.)

Market entry

Conduct prospect development review and analyses

Identify opportunities between lines of business (auto, mortgage, card, etc.)

Evaluation of new vs. existing accounts, current vs. derogatory, etc.

Create peer grouping

Wallet share

Assess customer relationships with details about theiroverall spend

Share of balance and credit limit (basic)

Consumer spend available through Total Annual Plastic Spend (Experian TAPSSM) and Estimated Interest Rate Calculator (EIRCSM)

Trade level spend and EIRC allow for more detailed on-them/off-them spend comparison

Incrementalshare

Compare portfolio usage pre-and post-acquisition

Due diligence for future acquisitions and post-acquisition performance

Portfolio reference files flag portfolios/trades


Experian Public

Use case: Portfolio monitoring through score migration to minimize risk exposure

0.001

%

99%

Bank ABC Consumers

Avg. VantageScore 3.0 = 735

98%

2%

US Credit Sample Consumers

Avg. VantageScore 3.0 = 669

666.8 667.0 667.0

668.1

671.1

672.1

665

667

669

671

673

675

Mar-14 Jun-14 Sep-14 Dec-14 Mar-15 Jun-15

All Other

733.7 733.9 734.0

733.4

736.2 736.4

730

732

734

736

738

740

Mar-14 Jun-14 Sep-14 Dec-14 Mar-15 Jun-15

Bank ABC

Bank ABC consumers demonstrate a less restrictive score and a lift in scoreability compared with the US credit sample due to insight into both thick file population and underserved population Highlight score migration by geography, industry types, product types Assess historical risk performance and portfolio stability Analyze changes in consumer credit scores, credit balances, utilization and other attributes

High Scoreability on VantageScore 3.0


Experian Public

Use case: On-us/off-us wallet share analysis to assess your product performance versus competitors

Are customers using your product as their first, second or third option? The above analysis demonstrates lower on-us wallet share position in bankcard. Fine-tune your value prop to the right spending segments and identify cross-sell potential Identify whether customers are paying you first Estimate new and incremental revenue opportunities Create and view sub-segments in your target population for better market understanding Leverage peer grouping to view the same analysis for your top competitors, giving complete

market share insight.

CROSS SELL

UP

-SE

LL

No Presence

Low Spend on Bank ABC

High Spend Consumers

High Spend on us Consumers

CROSS BU - SERVICES LAYER

No Presence

Low Spend on Bank ABC

Bankcard & Auto

ABC Bankcards,

No Auto

High Spend Consumers with Bank ABC Auto

High Spend on us Consumers with Bank ABC Auto

Average VantageScore 3.0 735

All Actives On-Us Off-Us

Average Number of Open Bankcards 1.3 2.8

Average Bankcard Balance $2,325 $5,540

Average Bankcard Limit $11,400 $31,431

EIRC (ABC vs. High Spend) 6.07% 8.29%

Spend (ABC vs. High Spend) $4,256 $11,228

Average Number of Open Auto Trades 0.6 1.01

Average Loan Amount $25,246 $28,997


Experian Public

Data & system Scores & tools Enhanced services

Credit Data

Credit data – Trade, inquiry, public record, trended

Aggregated data – Premier Attributes

Client Data

Your customer data –Performance data, application data, etc.

Benchmarking

Trade flagging and peer grouping

System

Processing and capacity built to your needs

Experian Scores

VantageScore

Ability-to-Pay models

Income & Asset models

In-the-Market models

Bankruptcy models

Spend and Yield estimates

Trended Attributes and Balance Transfer Index

Business Intelligence Tools

SAS

R & RStudio (coming soon)

Customization

CCAR challenger model delivery

Custom attributes development

Custom analysis and modeling

Benchmarking overlay

Analytics as a service

More Data

Custom historical sample

Other Experian data assets – Auto data, business data and marketing data

Build what you want

1 2 3


Experian Public

Scalable to fit your needs

LITE* STANDARD CUSTOM

Easy to get started More data including your own Customize and grow over time

System Specifications

Client-dedicated virtual system

4-core processor

16 GB of RAM

Three terabytes of storage (self managed)

Five user licenses

Citrix Window s Web GUI

SAS Enterprise Guide 6.1

Features

Access to 10% national credit sample

Monthly credit data from January 2012

Raw and aggregated Experian attributes

Experian peer grouping once per year

Four client trade line f lag f iles per year going

forw ard from contract date (at client request)

Non-FCRA regulated data w arehouse

Optional: Credit card spend and yield models

Optional: Income and asset models

Three-year contract terms

Analytics

Holistic view to gain market insight

Generic model and strategy development

Score and strategy validation

Consumer trends

Consumer w allet insights

Regional drill dow n

Credit product trends and averages

Benchmarking and w allet share

*Client data not permitted

System Specifications

Client-dedicated virtual system

8-core processor

64 GB of RAM

Five terabytes of storage (self managed)

10 user licenses

Citrix Window s Web GUI

SAS Enterprise Guide 6.1

Features

All Sandbox Lite features

One custom peer group four times per year

at client request

Client performance data, application or third-

party data for up to 5 million consumers

tw ice a year upon request

Custom sampling of Premier Attributes 1.2

and Vantage Score 3.0 on up to 1 million

consumers four times per year upon request

Three-year contract terms

Additional Analytics

Client customer-focused platform

Champion challenger analysis and validation

Customer product mix analysis and cross-

sell strategy development

Customer w allet share

Portfolio benchmarking

Application reject Inference

Customer movement and retention insights

Custom attribute development

System and Access

4-core to 16-core processors

From 16 GB to 64 GB of RAM

Up to 15 terabytes of storage (self managed)

Hadoop environment storage for client data

Additional licenses for multiple users

Features

More custom archive data

More client supplied data

Experian automotive data

Experian business Data

Experian marketing and demographic data

Additional Analytics

Comprehensive capital analysis and review

(CCAR) challenger model delivery

Analytics as a service

Benchmarking overlay

Custom peer grouping

Business Intelligence Tools

R and RStudio (available March 2016)


Experian Public

Master the credit universe

Access vast amounts of historical credit data

including up to five years of monthly trade data,

trended data, aggregated scores and attributes

Get up and running quickly with no development

and familiar tools

Speed strategy to market time by 30%

Link your data with Experian data for more value

Get more and do more with perpetual access to

an expanding data set

Keep an eye on the market and your competition

Grow as you go

More data. Faster, more insightful analyses. New opportunities.


Experian Public

experian.com/sandbox

answer tough questions quickly with data and analytics · internal data spread across many data...

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