Case study

An international retail and corporate bank

Implementing customer-level behavioral credit scoring in the SME market

The retail division of this major international bank had for some time used credit scoring in lending decisions. However, they had failed to realize the full benefits of this, and sought to further reduce their levels of bad debt and fraud while also increasing sales.

PA Consulting Group assisted the client with rapid development and implementation of customer-level behavioral scoring for both SME and consumer customers to supplement their existing application scoring capability. As a result, the retail division implemented a more predictive credit risk tool that has also increased consistency across its product lines.