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Consumer Credit Analytics

A clearer view of consumer creditworthiness

From first touch to final decision, leverage a suite of metrics to power smarter acquisition, underwriting and monitoring

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Drive smarter lending with deeper insights

Leverage advanced data intelligence to deliver accurate, personalized lending decisions.

Streamline acqusition

Quickly determine creditworthiness and maximize approval rates for new applicants.

Enhance credit line assignment

Monitor risk and transaction behavior to drive proactive credit line assignment and management. 

Deepen relationships

Analyze spend behavior and risk profiles to segment customers for targeted offers that drive long term growth.

Optimize risk identificaiton

Detect customers trending toward higher delinquency and outline recovery strategies.
 

Smarter credit risk management starts here

Consumer Credit Analytics includes delinquency scoring, transaction metrics and tailored solutions to help you stay ahead of credit risk and safeguard your bottom line.

Custom credit score

Delinquency scores to power better underwriting decisions

Mastercard Transaction Metrics

Card-level metrics for credit risk, operational risk and marketing applications

Custom delivery

Solutions for diverse credit and operational risk challenges leveraging data, advanced analytics, and scalable infrastructure tools, and resources

Case study

A U.S. bank strengthened credit risk controls for its consumer credit card portfolio

The bank engaged Mastercard to help it improve credit risk management across both its underwriting and account management practices.

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Performance review

Quantitatively examined varying risk profiles based on income, credit history and customer-provided data.

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Analysis

Conducted a three-dimensional analysis of existing and new account performance.

New accounts based on redeveloping initial line assignment and segmentation

$2m

increase in cross-sale volume

1.3m

increase in new account volume

Existing accounts based on segmentation and credit line increases

12%

increase in profit contribution

$2m

increase in profit contribution

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Mastercard
Consumer Credit Analytics