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approve a wider range of credit applicants while managing risk exposure traditional methods of credit risk decisioning can leave valuable pieces of the picture out of view it s time to rethink the data and insights your lending organization uses to assess creditworthiness by augmenting existing credit risk assessment strategies with powerful predictive and proven alternative data insights your lending team can gain a better understanding of customer credit risk to expand the addressable lending market assess thin and no file applicants segment risk among prime and near prime applicants inform more competitive offers say yes with more confidence 65 of lenders use some form of alternative data when making loan decisions 1 1 aite group q4 2020 and q1 2021 north american consumer lending survey start approving more customers while managing risk tolerance thresholds with alternative credit solutions learn more shifting dynamics introduce new blind spots like many industries your lending and financing business has been navigating economic volatility and uncertainty like never before this makes it ever more crucial to evaluate new strategies for consumer and small business credit risk assessment it feels like an impossible task especially given the increasing pressure for growth declining tolerance for financial losses and mounting regulatory scrutiny many dynamics cloud the view of opportunity and risk economic programs complicate visibility into creditworthiness financial irregularity throughout 2020 2021 combined with widespread adoption of temporary government support programs has exacerbated the gaps lenders face in assessing an applicant s current economic trajectory and ability to pay credit and lending landscape is more crowded and competitive consumers and small businesses are no longer limited to choosing between bank lenders from online lenders to alternative finance options many customers are taking advantage of the diverse options available to shop for the best deals lending accounted for the largest area of growth 25 among fintech platforms from 2020 to 2021 2 fintech small business quarterly loan originations rose from approximately 121 million 2013 to 2 billion 2018 3 there s increased focus and scrutiny on financial inclusion strategies the fdic estimates that 12 9 of u s households have unmet demand for bank small dollar credit of these over 75 were current on bills over the last year suggesting these households might be creditworthy 4 relying solely on traditional data sources leaves you with decisioning blind spots and stalled growth it s time to improve your vantage point to strike the perfect balance between opportunity and risk 2 mckinsey company how u s customers attitudes to fintech are shifting during the pandemic december 17 2020 3 federal reserve bank of cleveland the rise of fintech lending to small businesses businesses perspectives on borrowing march 2021 4 congressional research service financial inclusion and credit access policy updated october 24 2019 alternative data insights shed light on what traditional credit data may miss creditworthiness is shaped by many factors that push a consumer s financial trajectory upward or downward these range from lifestyle patterns over time to short term recoverable events alternative data models add meaningful dimensions to this financial view making note of behavioral predicators such as education history address stability professional licenses asset ownership and more these kinds of insights increase the reliability of customer credit risk assessment because they allow you to see shifts that impact creditworthiness sooner identify promising credit invisible applicants while also getting a heads up on prime applicants who are struggling unlock portfolio growth while managing risk tolerance thresholds by combining alternative credit inquiries and non credit events with traditional credit data lenders can see a more expansive view of a consumer or small business the ability to better decipher between likely profitable and risky consumers is pivotal but the differences may be nuanced and require a wider scope than just repayment history bankcard utilization or 30 day delinquencies credit risk assessment with a competitive edge new innovations in credit and lending think challenger banks and fintechs give consumers and small businesses more choices and reasons to shop for the best rate with alternative data in your toolbox you have insight that can help you win those customers over not only by crafting highly competitive offers but also attracting those potentially creditworthy customers other lenders may ignore see opportunity where others see risk differentiate the red carpet prospects from those warranting less optimal terms initiate more predictive risk assessment by pinpointing positive or negative events sooner approve more applicants while managing risk tolerance thresholds build competitive offers across the consumer credit spectrum enhance your ability to provide competitive terms tha...
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