• Optimised line assignment for Line of Credit

  • Proposed and implemented the marginal cut-offs on Requested Line amount

  • Led to an increase in acquisitions by 30%  with a decrease in average line by 23%

 

• Modified product underwriting

  • Reduced portfolio default rates from 10% to 4% while maintaining the low acquisition costs <£100 per account

  • Built risk score for incoming applications using Delphi and third-party data

  • Optimised risk scores' cut-offs across different acquisition channels

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• Risk-Based Pricing Test

  • Designed  and implemented end-to-end  Risk-Based Pricing  for new and existing customers 

  • Led to an estimated  increase in revenue by £40K per month

 

• Recommended design changes for the new mobile app

  • Led to an estimated increase in downloads by 40%

 

• Identified Cross-sell opportunities
  • Designed the application flow for underwriting and estimated additional 10% acquisitions for the alternate product
  • Analysed the cross-sell potential using incoming application and bureau data