Insights into Effectiveness through Data Science

Insights: White Papers

Collections Best Practices for Fintech Lenders

This paper highlights emerging trends and deep dives into the key areas Fintech leadership teams need to understand in order to create an effective default management strategy while quickly building a strong Collections practice.

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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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Using Shapley Values to Enable Machine Learning-driven Adverse Action

This paper lays out best practices we have developed to better leverage Shapley values in enabling ML model deployment in credit issuance. Through a variety of analyses and comparisons to existing Adverse Action methodology, we demonstrate how Shapley values can be used to satisfy the Adverse Action requirements and break down a common barrier that lenders face in adopting more sophisticated ML models.

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Getting ready for CFPB Fair Debt Collection Practices Rules

Written in partnership with BCG, this paper examines the changes to the Consumer Financial Protection Bureau (CFPB) regulations around Debt Collection, and offers some tips on the implications they will have on the industry both over the next year and years to come.

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Fraud Triage in the COVID-19 Crisis

Working with our consulting partners at Boston Consulting Group, this paper deep dives into how COVID-19 related shifts in consumer behavior and purchasing patterns have exposed new fraud vulnerabilities and what lenders must do to protect themselves in the current economic environment.

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Unsecured Debt Deferral: The Next Set of Challenges

Written with our colleagues at BCG, this paper explores how unsecured loan delinquencies are down and call centers are overstaffed during the worst unemployment and public health crisis of our lifetime; and deep dives into managing the loan deferral programs that are keeping millions of customers current on their loans. 

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Credit Risk Triage in the COVID-19 Crisis

Co-authored by our partners at Boston Consulting Group, this paper focuses on recommendations for making credit and lending decisions at acquisitions stage and for existing customers, during an unprecedented time in financial services.

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Winning in the Next Era of Collections

Written with our partners at BCG, this paper provides six specific recommendations on how lenders of all types and sizes should navigate through this difficult time.

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