Stacey West

Stacey West was a principal consultant within the Fair Isaac Advisors Lifecycle Practice. Stacey joined FICO in 2000 and worked closely with financial services clients in the UK, Ireland, the European Union, the Middle East and Australia in supporting their account management and collections disciplines.

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Complying with Persistent Debt Regulations — What’s Next?

While issuers have already started the actions prescribed by the FCA's persistent debt regulations, there is still a sizeable amount of work to complete and opportunities to be identified.

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Is £90 Billion in Unused Exposure on UK Cards a Problem?

With over £40 billion of unused exposure on inactive UK cards and over £50 billion on active UK cards there is the potential for huge losses if consumers start to eat into these limits.

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UK Cards Delinquencies Show Troubling Trends

Our analysis of UK cards data from the FICO Benchmarking Service has revealed some troubling trends in UK cards delinquencies. All average delinquent balances reached over two-year highs in the fourth quarter of 2018.

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"Static Delinquency" Trends Show Opportunity for UK Issuers

Following on from evaluating the roll rate results, this blog looks at the static delinquency levels, accounts remaining at the same level of delinquency.

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UK Card Delinquency Roll Rates Creep Higher

Balance roll rates — overdue balances on UK cards that go from one 30-day cycle to the next without repayment — moved sl...

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Managing Pre-Delinquency Under IFRS 9 & Persistent Debt

The introduction of IFRS 9 will mean focus is placed on pre-delinquency — treatment of accounts before they exceed limits or miss payments.

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UK Cards Show Signs of Post-Christmas Debt Stress

UK cards on books 1-5 years are showing signs of debt stress - here are the facts, as well as recommendations for issuers.

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5 Tips for Avoiding Credit Card Debt Problems

Consumers who are concerned about their level of credit card debt can use a number of options and tactics to keep their credit healthy.

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UK Cards: Signs of Debt Stress in Accounts 1-5 Years Old

In reviewing our data from the FICO Benchmarking Service, for users of FICO TRIAD Customer Manager, I saw some interesting long-term trends and some signs of potential debt stress, particularly among accounts 1-5 years on book.

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How Direct Debits Can Help with Persistent Debt and IFRS 9

The introduction of two initiatives in the UK credit card market may see an increase in the promotion and take-up of Directs Debit, and greater flexibility offered to those paying this way.

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FICO Data: Warning Signs for New Card Accounts in Ireland

Over the past few months, the percentage of new Irish card accounts that are delinquent has climbed to around 10%, more than twice the average for UK cards.

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FCA’s New Rules for UK Credit Line Increases

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All posts by Stacey West

Stacey West

All posts

Complying with Persistent Debt Regulations — What’s Next?

Is £90 Billion in Unused Exposure on UK Cards a Problem?

UK Cards Delinquencies Show Troubling Trends

"Static Delinquency" Trends Show Opportunity for UK Issuers

UK Card Delinquency Roll Rates Creep Higher

Managing Pre-Delinquency Under IFRS 9 & Persistent Debt

UK Cards Show Signs of Post-Christmas Debt Stress

5 Tips for Avoiding Credit Card Debt Problems

UK Cards: Signs of Debt Stress in Accounts 1-5 Years Old

How Direct Debits Can Help with Persistent Debt and IFRS 9

FICO Data: Warning Signs for New Card Accounts in Ireland

FCA’s New Rules for UK Credit Line Increases

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