Remove Credit Limit Remove Mitigation Remove Risk Management
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Driving Efficiency in Loans Against Mutual Funds with Tailored Loan Management System (LMS)

M2P Fintech

Unlike unsecured personal loans, which entail elevated risk for lenders and impose higher interest rates on borrowers, Loans Against Mutual Funds (LAMF) present a secure and cost-efficient lending model. Real-time precision is required to oversee risks tied to NAV volatility and maintain optimal Loan to Value (LTV) ratios.

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Three Ways to Improve the Relationship Between Credit and Sales

Trade Credit & Liquidity Management

Credit Pre-Checks: Work with sales to anticipate credit needs for both existing and new customers. Set appropriate credit limits during ramp-up periods to avoid unnecessary disruptions. Strive for “Never say No, but How?

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Addressing Portfolio Risk in Economic Uncertainty: Part 3 (2022)

FICO

Leveraging FICO Resilience Index to refine credit risk management decisions during benign economic phases defends against dramatic swings in delinquency rates and provides for a more consistent portfolio risk management approach over time. Of course, credit risk management is only one aspect of portfolio health.

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What is eCommerce Fraud?

Fi911

Bust Out Fraud Bust out fraud is a method where fraudsters build up a credit profile over time, only to max out the credit limits on various accounts before disappearing. By providing risk management services and tools, regulators can help prevent fraud from damaging the eCommerce industry’s reputation and growth.

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Prosper Extends Credit to 200K Near-Prime Clients with FICO Scores

FICO

In total, Prosper extended more than USD $225M in credit access to these consumers. Prosper also proactively mitigates credit risk and meets the increasing credit demand for creditworthy customers based on their monthly updated FICO® Scores. Millions of consumers in the U.S.

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UK Card Risk Trends: Summer Data Indicates Challenges Rising

FICO

There is also evidence that the percentage of UK cardholders spending over their credit limit has been slowly trending upwards since March. This suggests that UK cardholders who miss more than one payment may not have the funds to catch up and are struggling with over indebtedness.

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What is the Role of AI in Lending and Loan Management?

Nanonets

Credit scores that are not only more accurate but reflective of the multifaceted nature of modern financial lives. Bias Mitigation One of the longstanding challenges in credit scoring has been the inadvertent perpetuation of biases, often rooted in historical data. The result?

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