RETAIL BANKING ANALYTICS

Marketelligent is in the business of providing liability-based Products, we offer an

analytic services that help you make smarter affordable global delivery model leveraging
business decisions. With deep expertise in the best of domain expertise and analytic
Credit Risk and Marketing across asset- and capabilities.

Analytics that impact all items of the portfolio P&L

Example: Credit Cards
Reduce Customer Attrition
- Voluntary / Involuntary
- Retention Strategies
- Winback
Improve profitability of Assets
- Balance Transfer
- Credit Line Strategies
- Pricing
REVENUES
Bank P&L
New Ac counts Ac quired Acquire New Customers
Ac c ounts Closed - Segments X Products X Channel
- Mailbase Expansion
Ac c ount Ac tivation rate
- Pricing
Payment Rate
T ot al Ending Rec eivables
Increase activation rates
- Deepening Engagement
Interest
- Inactive Customer Treatment
Cost of Funds
Net Interest Margin

Maximize Fee Revenue Maximize Interest Revenue

- Over Credit limit Risk-based Fees - Product Pricing
- Delinquency Interc hange - Customer Behavior – Revolvers,
Affinity Rebates transactors, etc
- Bad Checks
Cross-Sell
Annual Fees
Net Credit Losses
EXPENSES

Reduce Net Credit Losses Net Credit Margin Increase Cross-sell Revenues
- Credit Line strategies - Revenue Enhancing Products
- Pricing strategies Operating Expenses - Breadth of relationships
- Collections Loan Loss reserve
Net Income

Credit Risk Analytics Marketing Analytics

• Credit Delinquency Scorecards • Profit-based Customer Acquisition Strategy
• Customer Approval and Conversion • Revenue Scorecards; eg Total 180 days
Scorecards revenue
• Optimal Loan Amount, Pricing and loan • Campaign Management
duration • Cross-sell Scorecards
• Portfolio Loss Forecasting • Retention and Activation
• Collections Analytics • Loan Prepayments
• Fraud Analytics • Loyalty and Winback
• Basel II Analytics • Pricing Analytics
 RETAIL BANKING -
CREDIT RISK & MARKETING ANALYTICS
PREDICT USING SCORECARDS SEGMENT YOUR CUSTOMERS
100%
Lower defaults by upto
Segment based on a
Cumulative Default Rate

90% 15% using approval

scorecards specific objective; or
80% natural clustering
70%

60%

50%
Random
40%
30% New Model

20% Existing Model

10%

0%
0 1 2 3 4 5 6 7 8 9 10
Scorecard Deciles

Design, develop and implement predictive scorecards across

Segment Customers to better understand their needs and
functions: response, approvals, delinquencies, collections,
wants; their sensitivities to various factors, etc.
cross-sell, etc

RETAIN & ACTIVATE MAXIMIZE COLLECTIONS

Increase activation by Increase Collections by
upto 20% by optimal upto 20% using Collection Collectability
targeting and right offers Scorecards Scorecard

Retention
Value

Required Effort
Activation (Efforts required to
collect past dues)

Time
Acquisition Usage & Loyalty

Placement Balance
Identify Customers at Risk of Disengagement via predictive (Amount the account
scorecards. Take appropriate action to lower attrition. entered Collections with)
Segment Inactive Customers across various dimensions. Develop & implement holistic strategies to collect efficiently;
Implement targeted activation campaigns. thereby reducing cost/dollar collected

CONTACT www.marketelligent.com

ASHLEY MARKETELLIGENT PVT. LTD.

#1251, 32 G Cross, Jayanagar 4th T Block, Bangalore 560 041, INDIA

+91 80 2664 2802 (India) 1-201-301-2411 (USA) info@marketelligent.com