Insights into Effectiveness through Data Science

Credit Risk Quarterly – Q4 2023

Check out our latest Credit Risk Insights from Q4 2023! This quarter we focus on the various headwinds and tailwinds affecting the US consumer credit risk industry overall, as well as more specific trends across Credit Cards, Personal Loans/Mortgages, Auto Loans, and Student Loans.

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Credit Risk Quarterly – Q3 2023

Check out our latest Credit Risk insights from Q3 2023! This quarter we discuss headwinds and tailwinds affecting the US consumer credit risk industry across all different asset classes, including our thoughts on rising delinquencies with increased interest rate environments, and our expectations with the resumption of student loan payments.

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Credit Risk Quarterly- Q2 2023

Check out our latest Credit Risk insights from Q2 2023. This quarter we focus on the headwinds and tailwinds affecting the US consumer credit risk as a whole, as well as discuss recent trends across Credit Cards, Personal Loans/Mortgages, Auto Loans, and Student Loans.

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Credit Risk Quarterly- Q1 2023 in Review

Check out our latest Credit Risk insights from Q1 2023, focusing on trends across various asset classes, noticeable decreases in risk levels among subprime and low-income consumers, and continued risk score warping.

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Credit Risk Quarterly – Q4 2022 in Review

Check out our latest Credit Risk insights from Q4 2022, focusing on trends across various asset classes, inflation’s impacts on lending, and risk score warping.

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Credit Risk Quarterly – Q3 2022 in Review

This paper reviews the overall state of consumer credit, focusing on credit cards, personal loans, auto loans, student loans, and mortgages. In addition, we examine the impacts of inflation on lending, the current macroeconomic outlook, and continued observations of risk score warping.

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Credit Risk Quarterly – Q2 2022 in Review

This paper looks at some of the trends and insights from Q2 2022 with a focus on the increasing risk levels among recent vintages for unsecured lending products and the effects of inflation on the auto lending industry.

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Credit Risk Quarterly – Q1 2022 in Review

This paper looks at some of the trends and insights from Q1 2022 with a focus on how lenders can leverage BNPL data, how the surge in inflation is impacting lending, and how the rise in asset prices can impact your P&L with a focus on auto loans.

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Credit Risk Trends in the COVID Era

This paper explores whether delinquencies and losses will stay at historically low levels, or if the effects of COVID have reversed and signs of worsening are beginning to show.

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