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Banking and Financial Analytics Services


Acquisition strategies: One of the primary levers of growth for an organization is the acquisition of new customers. Customer acquisition involves identification of potential customers, understanding their strengths and weaknesses, risk assessment and formulation of an acquisition strategy. Effective marketing campaigns are hence the key to acquiring the right customers at the right time. Through the application of predictive analytics techniques like response models and campaign analytics we help identify which customers to target, what product features to offer, which of the channels to use and what messaging strategy to employ for best results. We enable organizations to design more effective campaigns and gain greater mileage for their customer acquisition budgets.
Cross-sell strategies: Cross sell is one of the smartest methods of growing revenues. In today’s business environment acquisition of new customers has become extremely expensive because of high customer solicitation activity and low response rates to customer acquisition efforts. Our cross sell solutions enable businesses to understand their customer needs. We not only assess customer’s propensity to buy a product but also help identify the right time to make the product offering thus keeping the profitability into the considerations. We combine multiple data sources including demographic, transactional, and bureau information with our cutting edge analytics to provide solutions to some of the key questions - what should be the appropriate customer segments to target, what products will be best suited to the customers, what would be the optimal price for the products etc.
Application Fraud/ Bad Debt Scorecards: The high volume of applications in the financial products like credit cards and personal loans has invoked challenges for the financial institutions to perform quality profile verification in time. Our solutions enable you to identify the customers most likely to fraud or to turn bad debt. These customers can be prioritized in the application and profiling of the check queues. By differentiating the safest of the customer segments from the riskier ones, the fraud prevention can be maximized by adopting various verification strategies only to save huge costs.
Collection strategies and recovery: Scientifically designed collection strategies have become a critical need for the consumer lending businesses. Because of the implications on both the cost and customer relationships, collection strategies need to deliver quality within the constraint of time and budgets. We use predictive analytics to make accurate estimates of a customer's propensity to repay, as well as the likely amount that the customer will repay. Our collections models help distinguish between self-cures and potential long term delinquent accounts only to maximize the collection from the delinquent accounts while preserving valuable customer relationship. Some of the products that we offer are-
  • - Customer collection model for non delinquent customers
  • - Roll back model for delinquent customers
  • - Recovery model
  • - Collection and Recovery MIS suite
Customer Relationship Management: Strengthening the relationships with the existing customers is a proven method for increasing revenues and profitability. Our analytics solutions discover most profitable customers of an organization to be targeted with attractive retention schemes. The power of analytics is visible when effective strategies are able to cater most important customers only to increase customer retention, enhance customer loyalty and maximise the portfolio value using the servicing budgets optimally. This will help the organization to unlock hidden treasures in the customer’s behavioral data.
Portfolio valuation: Whether in response to financial requirements or as a way to monitor performance it makes sound business sense to undertake frequent portfolio valuations especially during times of economic and market uncertainity. Portfolio valuation is a must-have solution when buying/ acquiring a portfolio. Our handpicked selection of statistical variables in the historical data coupled with the exhaustive simulation of their dependency scenarios allows our customers to assess the real value of a financial portfolio.
Asset reconstruction strategies: Make an informed decision to device liquidation strategies of a newly acquired portfolio. Identify specific segments of portfolio for expansion or off loading. Everything is possible with our highly robust cutting edge propensity models and segmentation solutions.
Business Process Transformation: We have expertise to study and redesign business process flows to dramatically improve productivity, profitability, and achieve scalability. Our dashboards and forecasting tools embedded at various business junctions provide immense power to the stakeholders by identifying levers of costs that route the process towards the desired outcome.