Insights into Effectiveness through Data Science

Insights: Case Studies

Credit Line Increase Policies

A mid-sized lender in the US approached 2OS to aid in the optimization of its current credit line increase (CLI) policy. Through an initial diagnostic and an analytic deep-dive, 2OS developed several tests and new CLI programs for the client to implement in order to continue its high growth rate.

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Stopping Fraud with Data Analytics

A large Latin American Fintech approached 2OS with an urgent fraud problem that needed diagnosis. We were able to not only deal with the timely attack, but also identified new areas of weakness and implemented stronger defenses.

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2OS Approach to Credit Due Diligences

PE firms often rely on 2OS’s expertise in the lending space to advise them understanding outstanding loan portfolios in M&A opportunities.

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Cutting Edge Credit Risk Modeling

2OS worked with a major international bank to redesign their machine learning model responsible for predicting risk on delinquent personal loan accounts.

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Collections Strategy

A client needed help increasing enrollment in their deferral/payment programs. so our team helped them review their application process and ran analytics on the increased value from the enrollment strategy.

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Valuations Modeling

2OS worked with a client to build them an NPV model to help re-evaluate their credit line increase strategy across all of their products.

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2OS Approach to Acquisition Stage Underwriting

Having worked with 100’s of issuers, 2OS has proven strategies for implementing new credit policies that attract new customers, while stil maintaining manageable risk levels.

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