Manage lending risk. Maximise lending opportunity

How to Manage Lending Risk Painlessly

client assessment digital customer journey

Managing lending risk comes down to understanding the big picture of financial health for each individual applying for credit.  You will need to install methods to respect both commercial and compliance risk factors in each decision.

Getting the balance right demands a fine-grained approach to processing applications – and treating every customer fairly.

Our customer onboarding platform helps you curate personalised lending experiences, turning more applicants into customers – at lower risk.

Our expert team previously achieved game-changing results leading a Payday lending business. We understand your lending challenges and the regulatory expectations demanded.

The PrinSIX Economic Model

Developed from extensive experience in managing this challenge, the PrinSIX Model articulates the core elements of effective onboarding.

The three direct commercial pillars of an optimized business model are:

  • efficient marketing
  • careful commercial risk control
  • long term customer revenues
lending risk concept wooden blocks spell out loan

Balancing Risk with Reward

Achieve your perfect blend of opportunity and risk appetite

When it comes to managing lending risk and balancing risk with reward, we’ve learned a thing or two over the last two decades.  Our economic model for lendersthe PrinSIX Model underpins everything we do.  It’s the foundational reasoning that led to the creation of our platform. Lenders have two main goals:

  • Onboard customers who will deliver long-term revenues that are larger than their associated costs.
  • Make sure lending delivers good customer outcomes.

It seems simple but optimal execution of each component is difficult.  Delivering both concurrently is highly complex due to a complex environment of regulation, conflicting internal objectives and overheads.

The PrinSIX Model is a framework to assess any business onboarding activity against, helping identify opportunities and threats to maximizing outcomes for customers and lenders. 

Our platform provides the necessary tools, methods and insights to execute this approach.

The PrinSIX Model Illustration to manage lending risk

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Do you offer instalment loans, revolving credit, credit cards, store credit, mail order or ANY form of consumer credit?

Get in touch today and our team will demonstrate how we can help improve your key commercial objectives and manage lending risk.