FICO Data: Far Fewer UK Cardholders Are Overlimit
<p>Overlimit? Dude, that’s so <em>over</em>. At least, that’s what the latest data from the FICO<sup>®</sup> Bench...
Daniel Melo
Daniel Melo is a senior partner in Global Partners & Alliances. Daniel has more than 20 years of experience in credit, collections and risk management for large financial institutions in Europe and the Americas. His expertise spans all aspects of the credit lifecycle, working on analytics and scorecard development, strategy and change management, and direct operational management. Daniel has worked extensively solving client problems during volatile economic periods, particularly in credit risk management and debt collection, and in emerging markets.
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Don't Stress Out Over Stress Tests
<p>In the wake of Lehman Brothers’ failure in 2008, the meaning of “stress test” changed. The worst global financial and...
UK Cardholders Have “Just” £41 billion in Unused Credit Lines
<p>Our analysis of UK credit cards shows that the average cardholder had 32.46% of unused exposure in February 2014, com...
Avoid “Garbage In, Garbage Out” with Your MI Packages
Reporting on the results of credit decision strategies is a vital function – but it’s often given less thought than othe...
Are Your Offers Causing Adverse Selection?
An area of concern for risk managers is how “adverse selection” may impact default rates. If you’re not familiar with th...
More Good News on UK Cards Performance
As the UK economic recovery continues, so does the good news on how cardholders are spending and managing their payments...
Talking to Customers? Watch Your Tone
When was the last time you reviewed your client communications wording, tone and layout?
When was the last time they w...
Big Data and the Lost Ark
I am a movie addict. A Jedi Trekker with double zeros on my ID, who fights against angry birds (not Angry Birds) at Bode...
Fall in Russian Consumers’ Credit Health Halted – For Now
The two-year decline in Russian’s credit health has stabilized. FICO and the National Bureau of Credit Histories (NBKI),...
Is Conduct Risk Just a UK Worry?
Transparency, sustainability, governance, good practices, clear selling process…. All these buzzwords sound familiar, ri...
FICO Data: More Transactors Than Revolvers Among UK and Irish Cardholders
With customer behavior changing as the UK economic recovery builds, how are cardholders paying off their balances? Our l...
FICO Data: More UK Cards Are Gathering Dust
Everyone knows the UK economy is recovering, and retailers had a good Christmas. This upturn is coming none too soon, as...
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