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Linked In Power Point 2

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More info on what I do for a living...

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Linked In Power Point 2

  1. 1. Wanna know what I do for a living?  Here’s a brief overview…
  2. 2. Here’s who my clients typically are… Automotive Banking Credit card Credit union Insurance Internet Merchants Leasing Mortgage Public sector Retail finance Telecommunications Utilities
  3. 3. My client’s top priorities in today’s market Source: 2009, Tower Group Research Study Improving Analytics Protecting portfolio profitability Managing increasing delinquencies + +
  4. 4. How we help our clients…
  5. 5. My company is Experian Here’s how we compare to our main competitors 3,000 0 500 3,500 2,000 4,000 2,500 1,000 1,500 Global revenue US$ million 77% Experian Equifax 55% 80% 85% 91% 67% 33% 9% 15% 45% D&B Acxiom Harte- Hanks Fair Isaac 1,726 1,936 1,384 745 23% 3,821 20% 1,083 International North America
  6. 6. Overview of Experian A top performing company on the London Stock Exchange Our Vision Sales Growth $m EBIT $m and margin Total growth FY05 FY06 FY07 FY08 FY09 +30% +14% +14% +8% FY05 FY06 FY07 FY08 FY09 +28% +15% +13% 21.0% 21.9% 22.8% 20.0%
  7. 7. Our core competencies Across your entire book of business – Consumer, Small Business and Commercial <ul><li>75 scientists and analytical consultants (in North America) </li></ul><ul><li>Full range of analytics to manage credit risk and fraud as well as optimize key P&L drivers </li></ul><ul><li>World-class data interpretation, modeling and optimization expertise </li></ul>Software <ul><li>Robust decisioning and services </li></ul><ul><ul><li>Origination </li></ul></ul><ul><ul><li>Customer / portfolio management </li></ul></ul><ul><ul><li>Collections </li></ul></ul><ul><li>Industry-leading optimization </li></ul><ul><li>Flexible platform for enterprise-wide decision making </li></ul><ul><li>Authenticate consumers at point- of-sales (i.e., Internet) </li></ul><ul><li>Monitor and detect application and early account fraud </li></ul><ul><li>Create positive customer experience </li></ul><ul><li>Automate review process </li></ul><ul><li>Meet compliance requirements </li></ul>
  8. 8. What sets us apart Flexible software Better access to data Deeper insight and knowledge Expert strategy design and optimization
  9. 9. Case Study: Fraud screening during online DDA account opening <ul><li>Business objectives: </li></ul><ul><ul><li>Integrate instant, online fraud screening into DDA account opening process to improve customer experience and reduce costs </li></ul></ul><ul><li>Solution: </li></ul><ul><ul><li>Precise ID for fraud screening adopted in multi-phased approach </li></ul></ul><ul><li>Results: </li></ul><ul><ul><li>Outperformed competitive solutions – identifying 82% fewer false positives on high value accounts, </li></ul></ul><ul><ul><li>Increased fraud detection and risk mitigation with more detailed and robust fraud indicators provided </li></ul></ul><ul><ul><li>Improved customer experience </li></ul></ul><ul><ul><li>Reduced costs while auto-approving more applications </li></ul></ul><ul><ul><li>Over $2 million in estimated savings from operational efficiencies – not including benefits from improved fraud detection </li></ul></ul>Top Ten Retail Bank
  10. 10. <ul><li>“ According to George Lennox, senior manager group credit and risk at HSBC, [Experian’s Strategy Management] was chosen after an extensive vendor evaluation that led to HSBC’s incumbent primary provider Fair Isaac being displaced” </li></ul><ul><li>“ The new software will be implemented in all HSBC businesses” </li></ul><ul><li>“ Once fully implemented, HSBC expects Strategy Management to make more than 50 billion customer decisions annually” </li></ul><ul><li>“ HSBC had been utilizing Fair Isaac’s StrategyWare system since 1996 and it was in place within HSBC in 42 countries” </li></ul><ul><li>“ HSBC had short-listed three vendors: Fair Isaac, Experian and CGI/AMS, and spent an entire year in the evaluation process” </li></ul><ul><li>In the end, “… Strategy Management was clearly better, concluded Lennox” </li></ul>Case Study: HSBC’s global decisioning (from Bank Marketing International)
  11. 11. <ul><li>Business objectives: </li></ul><ul><ul><li>Sharpen collections strategy management capabilities – with minimal capital outlay </li></ul></ul><ul><ul><li>Leverage Experian data storage </li></ul></ul><ul><li>Solution: </li></ul><ul><ul><li>Robust templated solution – Portfolio Management Package – with integrated analytics, strategy design / decisioning, reporting and consulting solution </li></ul></ul><ul><ul><li>Hosted solution requiring low in-house investments or resources </li></ul></ul><ul><li>Results: </li></ul><ul><li>Implemented and continuously improved use through best practices consulting and professional services </li></ul><ul><ul><li>Collection staffing reduction of 25% while increasing portfolio size 72% </li></ul></ul><ul><ul><li>Delinquency rates improved by 26% </li></ul></ul><ul><ul><li>Cumulative savings of $3 million over five year period </li></ul></ul>Case Study: Decreasing the cost of collections Captive Automotive Finance Provider
  12. 12. Call to Action <ul><li>What is your organization doing today to address its biggest pain points? </li></ul><ul><li>How can we partner with you to address these needs? </li></ul>
  13. 13. Thanks for listening! <ul><li>If there’s anything I can do to help you organization, too, let me know… </li></ul><ul><ul><ul><li>Roberta Scherbarth </li></ul></ul></ul><ul><ul><ul><li>Experian Decision Analytics Sales </li></ul></ul></ul><ul><ul><ul><li>Costa Mesa, California </li></ul></ul></ul><ul><ul><ul><li>714 830 7857 </li></ul></ul></ul>That’s me at a baseball game