How Do You Serve “Thin-File” Customers and Tackle Fraud?

For retail businesses, a significant portion of potential buyers may have limited credit history, making it difficult to assess their risk. How do you serve these “thin-file” customers without exposing your business to high levels of fraud and non-payment?

We Help You Expand Your Customer Base Safely

We understand that your business is built on trust. That’s why our custom scoring models are designed to identify reliable buyers even when traditional credit data is sparse. By incorporating alternative data—such as rent and utility payments—our algorithms create robust risk profiles that detect fraud with greater accuracy. This means you can approve more customers with confidence, grow your sales, and reduce the risk of bad debt.

•        • Custom Scoring Models: Designed specifically for thin-file customers and fraud detection.

•        • DecisionStation™ Software: Accelerate approvals at the point of sale with a seamless, integrated system.

•        • Strategic Consulting: Analyze your current portfolio to find new opportunities for growth and profitability.

Past Clients: Zales, Ivan Smith Furniture, Royal Furniture, Garfinckel’s

Are You Making the Right Decisions for Every Applicant?

In the fast-paced world of automotive financing, you’re constantly balancing the need for speed with the security of your portfolio. But how do you accurately assess risk for buyers with limited credit history? And what’s your defense against the rising tide of fraudulent applications that can lead to significant losses?

We Give You a Complete Picture of Your Applicant

Our custom scoring models go beyond traditional credit bureau reports. We integrate powerful third-party data from partners like LexusNexis and MicroBilt, giving you a more complete financial picture of every applicant. By analyzing data on rent and utility payments, our algorithms are uniquely built to flag fraudulent applications and identify creditworthy borrowers who might be overlooked by standard scores. This allows you to approve more loans with confidence.

•        • Custom Scoring Models: Leverage alternative data to accurately predict risk and detect fraud.

•        • DecisionStation™ Software: Streamline your loan origination process with automated decisioning based on your unique criteria.

•        • Strategic Consulting: Optimize your portfolio and reduce losses with expert analysis.

Past Clients: Mercedes-Benz, Yamaha Motors, US Auto Credit, Summit Auto Finance, Tidewater Finance Company

Mitigating Losses and Optimizing Collections

Bad debt and non-performing loans are a constant threat to your bottom line. Are your current models effectively predicting which loans will be most profitable? How can you measurably lower the cost of collections and improve recovery rates without alienating customers?

Precise Lending for Enhanced Profitability

Our strategic consulting and custom scoring models are built to help you protect and grow your assets. We provide in-depth “Profitability Models” that analyze which products, branches, and distribution channels are supplying you with the best paper. We also offer consulting on collection strategy analysis to optimize your efforts, reduce operational costs, and improve recovery rates—helping you transform your approach to bad debt from a reactive process into a proactive strategy.

•        • Custom Scoring Models: Refine your lending criteria to reduce defaults and improve profitability.

•        • Consulting Services: Optimize your collections strategy and analyze portfolio performance.

•        • DecisionStation™ Software: Ensure consistency in lending and compliance across your organization.

Past Clients: Nationwide Acceptance, HSBC, The Bank of New York, Fleet, Citigroup, Fidelity

Maximizing Safe Lending and Customer Lifetime Value

Your customers are typically prime candidates, so the question isn’t whether they can pay, but how much more they can safely borrow. The challenge is to expand your lending program and increase borrowing limits without adding undue risk, all while maximizing the lifetime value of your customer relationships.

How We Solve It: Fueling Growth with Data-Driven Decisions

We help you move from a mindset of risk mitigation to one of strategic growth. Our custom scoring models and portfolio analysis provide the insights you need to identify opportunities for safely increasing lending volume and raising borrowing limits. We empower you to make smarter decisions that not only protect your business but also unlock new revenue streams by upselling additional services to your most reliable clients.

•        • Custom Scoring Models: Tailored to identify opportunities for safe lending expansion.

•        • Consulting Services: Analyze your portfolio to find opportunities for increasing customer value.

•        • DecisionStation™ Software: Automate decisions for a faster, more effective lending process.

Past Clients: CareCredit

Combating Attrition and Optimizing Lending

Customer attrition is a major threat to your long-term profitability. With new providers and competitive offers constantly emerging, how do you accurately predict which customers are likely to switch? And how can you leverage your secured lending position to safely increase the amount of credit you extend, thereby strengthening customer loyalty?

Predict Attrition and Enhancing Customer Value

Our behavioral scoring models and consulting services are built to tackle the unique challenges of the telecom industry. We help you analyze customer data to identify high-risk customers, allowing you to create targeted retention strategies before they move to a competitor. Additionally, we provide the tools to determine how much more you can safely lend to your customers, increasing their total value to your business and fostering long-term relationships.

CBD Credit’s Solutions for Telecom:

•        • Custom Scoring Models: Focus on predicting customer behavior and attrition risk.

•        • Consulting Services: Develop a strategic plan to reduce churn and enhance customer lifetime value.

•        • DecisionStation™ Software: Automate lending decisions to offer more credit with confidence.

Past Clients: Verizon Wireless, AT&T, Verizon

Assessing Repayment Capacity and Mitigating Fraud

In the unsecured lending space, where there is no collateral, a single bad decision can lead to a significant loss. How do you accurately assess whether a customer has the ability to repay? And how do you protect your business from the high rates of fraud that plague this industry, especially when approving repeat customers?

Build Smarter Decisioning for Higher-Risk Environments

Our solutions are specifically designed for the challenges of unsecured lending. We build custom scoring models that combine traditional and alternative data to provide a comprehensive view of an applicant’s ability to pay. Our robust fraud-detection algorithms use this same data to protect your business from fraudulent applications. Furthermore, our behavioral scoring models help you make smarter decisions on repeat customers, maximizing profitability while minimizing delinquencies.

•        • Custom Scoring Models: Accurately assess repayment capacity and predict fraud for high-risk segments.

•        • Consulting Services: Analyze your portfolio to identify opportunities to lend to returning customers.

•        • DecisionStation™ Software: Streamline your loan origination process while enforcing consistent rules and policies.