Fair Isaac analytics and decision management solutions are part of the fabric of the industry. They help banks and financial service providers make lending decisions ranging from marketing to originations to portfolio management, and collections and recoveries. They control risk in all types of consumer loans including auto, home equity, secured and unsecured personal loans.
Consumers benefit from increased credit access and speedy, objective credit decisions. And lenders benefit from increased decision consistency and compliance activities ranging from serving the underserved to addressing Sarbanes-Oxley and Basel II.
What can you expect from Fair Isaac solutions?
Precision Marketing
Sending the right message to the right people - through the right channel, at the right point in time-speaks to Fair Isaac's core competitive strength. We call it precision marketing.
What truly sets us apart are the advanced analytics we infuse into every marketing decision. Analytics that drive marketing improvement by orders of magnitude for more than 5 million real-time marketing offers, 11,000 marketing campaigns, 2 billion customer records, and 222 billion database updates, with more than 4 billion consumer transactions annually.
Originations
Fair Isaac integrates application processing software with decision management systems and advanced analytics to help lenders increase their approval rates, lower their credit losses and reduce their processing expenses. Our solutions range from high-performance, high-volume systems such as Capstone® Decision Manager to hosted solutions such as LiquidCredit® service for smaller lenders.
We also provide world-class scoring from our industry-standard FICO® score to custom originations scoring on a global basis. Our solutions draw more value from credit bureau, application and customer data, so you can sharpen your critical acceptance, pricing and cross-sell decisions.
Customer and Account Management
Lenders worldwide use Fair Isaac adaptive control systems to make more than 40 billion account and customer decisions each year-including important cross-selling decisions based on enhanced transaction and risk analytics.
Now you can use TRIAD™ adaptive control system at the customer level to control risk exposure and sell more deeply into your customer base. And we've introduced new analytic innovations to account management, including data-driven strategy optimization, transaction scoring and event-triggered score delivery.
Fraud Management
The unmatched speed and intelligence of Fair Isaac fraud solutions, powered by the Fair Isaac Fraud Consortium, has made Falcon™ Fraud Manager the industry-leading solution for payment card fraud. With sophisticated neural net models and case management capabilities, Falcon™ ID helps you crack down on identity fraud.
Collections & Recovery
Fair Isaac offers premier, end-to-end collections capabilities incorporating workflow, analytic and partner networking capabilities. Now collections managers, collections agencies, debt buyers and collections attorneys can work smarter across the entire collections lifecycle, from early delinquency through charge-off and debt sale.
Fair Isaac provides the first and only customer-centric collection and recovery solution, Debt Manager™ solution, along with Recovery Management System™ solution, which manages recovery of debt through the later phases of the receivables lifecycle. Over 70% of US charged off consumer debts are processed through Fair Isaac workflow systems, and clients using Fair Isaac collection and recovery scores can experience improved efficiency up to 20%.
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