Case Study

Produced a new variable that improved risk separation

Case Studies / Banking / Improve Marketing ROI

One of the top five banks in the world wanted to identify new ways to separate risk for lower risk segments to be used in credit policy and collections decision-making.


Our goal was to examine nontraditional indicators (other than payment pattern) to better understand the risk of lending to lower risk segments.


We developed a debt-to-income ratio model (which estimated income and debt payment) at a customer level. The goal was to better understand the customer’s ability to withstand shocks (such as loss of income).

Value Delivered

We developed a new variable that provided an additional separation of 10-25%, depending on the original risk.

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