新常态下的增长：利用趋势性信贷和另类数据的力量重新构想您的风险策略.pdf

1、Growth in the New Normal:Reimagine Your Risk Strategy With the Power of Trended Credit and Alternative DataVP,Global Credit Risk SolutionsMatt Komos1 2024 TransUnion LLC All Rights ReservedThe landscape impacting the economy and consumer behavior over the last few years has been challenging202320222

2、0212020 Pandemic Extraordinary monetary and fiscal policies High inflation remains Supply chain issues continue Aggressive interest rate hikes Student loan repaymentsEconomic uncertainty Inflation ticks up Record-setting pricesIt has turned risk management on its headThe world we live in has changed

3、 dramatically!How has your approach to lending changed?2 2 2024 TransUnion LLC All Rights Reserved3The resulting impact on bad rates and credit scores has shifted due to these environmental factors,starting with the pandemic7.70%5.74%7.87%0%2%4%6%8%10%Pre-PandemicPandemicPost-Pandemic90+/24 months C

4、omparing pre-pandemic and post-pandemic cohorts using trended credit scores,the bad rate for the same score bands deteriorated for the post-pandemic cohort.A bad rate alignment exercise revealed a 635 score today performs like a 600 score from the pre-pandemic period(a 35-point shift)for both bankca

5、rd and Unsecured Personal Loans.Bad rates pre and post pandemicScore migration:Key findingsSource:TransUnion analysis 2024 TransUnion LLC All Rights Reserved4Its time to look beyond traditional,static credit data to see how trended credit and alternative data can help organizationsBy better understa

6、nding consumers and their behaviors,organizations can make more informed decisions about who they serve.See moreScore moreDecision moreSave moreA holistic view of consumers can help lenders uncover hidden risks and opportunities traditional credit data alone may not showTrended credit and alternativ