yourfanat wrote: I am using another tool for Oracle developers - dbForge Studio for Oracle. This IDE has lots of usefull features, among them: oracle designer, code competion and formatter, query builder, debugger, profiler, erxport/import, reports and many others. The latest version supports Oracle 12C. More information here.
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Santander Use Callcredit's Over Indebtedness Score to Improve Risk Strategy

LEEDS, UNITED KINGDOM -- (Marketwire) -- 01/16/13 -- Santander Cards have successfully integrated Callcredit Information Group's Over Indebtedness Score into their current risk strategy to improve their understanding of existing customer indebtedness and their ability to repay balances.

The Over Indebtedness Score (OI) offers a quick, convenient and cost effective way to assess how both new and existing customers are managing their finances by validating an individual's income against the utilisation of available credit, which in turn provides an assessment of their ability to repay their outstanding debt.

Unlike other solutions available in the market place, Callcredit's OI score is well established within the banking sector, offering unrivalled insight, as a result Santander has implemented the OI score across their cards portfolio to drive improved risk strategies based on affordability capacity as well as traditional risk methodology.

The OI Score works by identifying those customers who may not be showing traditional signs of financial difficulties such as missing repayments, early arrears or using savings or alternate credit facilities to service outstanding debts. Analysis of the Santander credit card portfolio has identified that 4% of active accounts would be expected to contribute 35% of future delinquent balances, with over half of these accounts not identified as high risk using existing behavioural scores.

Similar results has been observed from retrospective analysis across other Santander product portfolios, with 44% and 47% of personal loan and mortgage delinquencies being identified from the 12% and 8% most highly indebted customer accounts an indicated by the OI score.

The use of the OI Score also supports the demonstration of compliance with affordability regulations such as the OFT's Irresponsible Lending Guidelines and the Consumer Credit Directive for existing customer management.

Nigel Sparrow, Unsecured Credit Director at Santander said "The work we've been able to undertake with Callcredit has enhanced understanding of our existing Santander customer portfolios with an increased insight into customer affordability and indebtedness. The results of retrospective analysis across retail product portfolios has been uniformly positive, enabling enhanced credit management strategies to be developed in line with our desired portfolio management objectives and to ensure appropriate customer outcomes."

Kaye Rickards, Strategic Account Director at Callcredit Information Group said "The OI Score is a reputable service, as shown by our client base. It provides valuable insight for lenders in how customer's are managing their finances and ensures that Santander are able to identify those accounts which are likely to fall into default in the future, even though they may not be showing traditional signs of falling into difficulties. As a result Santander have then been able to put suitable strategies in place for these accounts to ensure that they are following responsible lending guidelines and not providing additional credit to those customers who may already be financially over-stretched."

About Callcredit Information Group -

Callcredit Information Group's leading approach to deploying consumer information brings together experts across the fields of credit referencing, marketing services, interactive solutions and consultative analytics to provide clients with a range of innovative and effective products to discover new customers and to engage with current customers to optimise and increase profitability.

Products include award-winning fraud verification tools and database solutions to positively verify consumers, global operations to help expand businesses into new markets, digital solutions to improve the overall journey consumers make during interaction with a brand, customer handling to ensure consumer satisfaction at all levels and consumer marketing data and segmentation to improve understanding and targeting of customers and prospects.

Callcredit also offers products for their clients to assess a customer's credit risk and affordability and their experts in collections and recoveries provide tailored debt recovery and tracing tools. Their market analysis and network planning function helps organisations develop profitable retail networks, and their tools in multi bureau, analytics and metrics work to provide fully assessed bureau data.

Callcredit Information Group
Duncan Bowker
PR Manager
0113 388 4300 or Mobile: 07557 263 660

Callcredit Information Group
Lucy Smith
Press Officer
0113 388 4300 or Mobile: 0786 739 5104

Callcredit Information Group
Amy Bhavra
PR Officer
0113 826 6845 or Mobile: 0755 716 2990

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