Download Market Entry ServicesTM for unsecured personal loans

Product Sheet
Market Entry Services
for unsecured personal loans
TM
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
Unsecured personal loan data set highlights
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.
• Quarterly loan-level originations from 2004 to 2016.
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.
• 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
Data throughout the life of the loan
Popular
Risk Scores
•Date opened, original loan
amount, lender type, loan
type, etc.
Choose from:
•Scores and attributes at
•FICO 08
time of origination
•VantageScore 3.0
• FICO V2
Premier
Attributes
Exclusive
Scores
Performance
Flags
Leverage over 100
of the most relevant
Premier Attributes
available today
Utilize scores only
available to Experian
such as:
•Income InsightSM
Review:
•Present Status
•Worst Ever Status
•Times Delinquent
•Debt to Income
•Bankruptcy PLUS
SM
Product sheet
Market Entry Services™
for unsecured personal loans
Benefits
Consulting services
• Research and analyze key characteristics of the
unsecured personal loan market over the past 12 years.
With an extensive background in modeling, banking, risk
management and simulation, our business consultants can
apply their industry expertise to help you:
• Benchmark portfolios or tranches against industry
views during up and down markets.
• Identify desirable loan segments based on Premier
Attributes and other criteria.
• Identify the right target population when entering
new markets.
• Design the right strategies for optimal results.
• Conduct vintage analysis over the duration of the loan.
• Implement and deploy solutions using automated platforms.
• Track delinquency performance and understand the
impact of a full recessionary economic cycle.
• With model validation and stress testing.
• Capture all the risks of borrower’s ability to default and
expected loss under stress scenarios.
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.
Complete Economic Cycle of Personal Loans*
Quarterly Dataset Covering 2004 - 2016
$45B
2.5%
Quarterly Originations ($ Volume)
60+ Days Past Due on Balances (% Percent)
Pre-recession
Recovery
Recession
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
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Costa Mesa, CA 92626
T: 1 888 414 1120
www.experian.com
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01/17 • 2000/1235 • 1040-DA