Market Entry ServicesTM for unsecured personal loans
Product Sheet
Market Entry ServicesTM for unsecured personal loans
Navigate the personal loan market with the right data and strategies
As the economy rebounds, the personal loan market continues to gain popularity, becoming one of the fastest-growing consumer lending segments today. Increased consumer confidence and the advent of online marketplace lenders are helping the personal loan space attract new and established institutions.
Challenge
Most investors that want to enter this dynamic and profitable market do not have the historical data, knowledge or expertise needed to analyze the market and make sound investment decisions. But we can help.
Overview
We now offer investors and banking institutions a representative national sample of unsecured personal loan data that spans more than a decade. We developed the unsecured personal loan data set to showcase the unique data assets investors can leverage to successfully benchmark and navigate the personal loan market.
Unsecured personal loan data set highlights
? Quarterly loan-level originations from 2004 to 2016.
? Loan open date, original amount, lender type and more.
? Scores and attributes at the time of loan origination and over the duration of the loan, including:
?? VantageScore? credit score and FICO? score.
?? More than 100 of our credit attributes -- Premier AttributesSM.
?? Additional Experian scores, such as Income InsightSM and Bankruptcy PLUSSM.
? Delinquency performance flags.
National Sample of Unsecured Personal Loans
Data at Origination
? Sample of quarterly originations beginning in 2004
? Date opened, original loan amount, lender type, loan type, etc.
? Scores and attributes at time of origination
Data throughout the life of the loan
Popular Risk Scores
Choose from: ? VantageScore 3.0 ? FICO V2 ? FICO 08
Premier Attributes
Leverage over 100 of the most relevant Premier Attributes available today
Exclusive Scores
Utilize scores only available to Experian such as: ? Income InsightSM ? Debt to Income ? Bankruptcy PLUSSM
Performance Flags
Review: ? Present Status ? Worst Ever Status ? Times Delinquent
Product sheet
Market Entry ServicesTM for unsecured personal loans
Benefits
? Research and analyze key characteristics of the unsecured personal loan market over the past 12 years.
? Benchmark portfolios or tranches against industry views during up and down markets.
? Identify desirable loan segments based on Premier Attributes and other criteria.
? Conduct vintage analysis over the duration of the loan.
? Track delinquency performance and understand the impact of a full recessionary economic cycle.
? Capture all the risks of borrower's ability to default and expected loss under stress scenarios.
Consulting services
With an extensive background in modeling, banking, risk management and simulation, our business consultants can apply their industry expertise to help you:
? Identify the right target population when entering new markets.
? Design the right strategies for optimal results.
? Implement and deploy solutions using automated platforms.
? With model validation and stress testing.
Start making more profitable decisions today. To learn more about Market Entry Services for unsecured personal loans, contact your sales representative or call 1 888 414 1120.
$45B
Complete Economic Cycle of Personal Loans* Quarterly Dataset Covering 2004 - 2016
2.5%
Quarterly Originations ($ Volume)
60+ Days Past Due on Balances (% Percent)
Pre-recession
Recession
Recovery
2004 Q1 - 2016 Q1 (49 Quarters) = ~2,700,000 2008 Q1 - 2016 Q1 (33 Quarters) = ~1,530,000
2012 Q1 - 2016 Q1 (17 Quarters) = ~940,000
Trade Counts
*Graph not to scale, does not include 2004 Q1 - 2005 Q4
Experian 475 Anton Blvd. Costa Mesa, CA 92626 T: 1 888 414 1120
? 2017 Experian Information Solutions, Inc. ? All rights reserved
Experian and the Experian marks used herein are trademarks or registered trademarks of Experian Information Solutions, Inc. Other product and company names mentioned herein are the property of their respective owners.
01/17 ? 2000/1235 ? 1040-DA
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