COYA Restaurant, London


Consumer Lending:
Using Analytics to Increase
Loan Profitability and
Mitigate Portfolio Risk

Networking Dinner at COYA Restaurant, London

29th June 2023, 18:00 - 20:30 GMT, Successfully Held

Consumer Lending: Using Analytics to Increase Loan Profitability and Mitigate Portfolio Risk
Networking Dinner
at COYA Restaurant,
London

29th June 2023,
18:00 - 20:30 GMT,
Successfully Held

Presented by

Earnix

Here’s what we discussed:

The UK economy appears to be clouded by uncertainty and volatility as we move into the second half of 2023.

Higher inflation (10.1%, well above the target rate of 2%), interest rate hikes (on 11th May 2023 the Bank of England raised the base rate from 4.25% to 4.5%, its highest level in over 14 years), increase in the cost of funds and weakening consumer confidence makes up for a turbulent environment across all branches of consumer lending.

While the cost-of-living crisis is driving up demand for consumer credit, concerns around default rates and high competition from the BNPL sector make banks focus more on bottom-line profitability and the overall health of their loan portfolios. What strategies and tools can help banks achieve these goals?

Earnix – a global leader in pricing analytics and digital decisioning – invites leading banking institutions in the UK to join a roundtable discussion. We talked about the recent events shaping the UK consumer lending market, trends, issues, opportunities, and how to utilize AI-backed analytics and pricing capabilities to increase profitability and create a well-rounded and turbulence-proof portfolio.

Discussion topics:

  • Finding the sweet spot for loan pricing in a constantly changing market
  • Using pricing to control portfolio risk profile
  • Maintaining the balance between volume, profitability, and competitiveness

Dinner at COYA Restaurant

COYA Restaurant
COYA Unit 1C, 31-33 Throgmorton Street, London EC2N 2AT

View on map

Agenda

18:00 – 18:15

Welcome

18:15 – 19:00

Roundtable Discussion

19:00 – 20:00

Dinner

20:00 – 20:20

Networking

20:20 – 20:30

Closing

Solution Expert

Giovanni Oppenheim
Director of Banking Solutions at Earnix

Giovanni Oppenheim heads a global team of Professional Services Consultants servicing Earnix banking customers. Giovanni has been responsible for the design, management, and delivery of Earnix implementation projects for a wide variety of banking products, from unsecured loans to mortgages, from term deposits to short- and medium/long-term lending facilities to businesses. Over the last few years, Giovanni has delivered projects to tier-1 banks and other financial institutions with a monthly impact on prices for more than €10 bn in lending and deposit origination globally.

Giovanni also leads strategic consulting projects with Earnix clients with a focus on advanced analytics and on change management processes and operations.

Giovanni holds an MA in Economics from Princeton University. Giovanni also holds a BA in Economics from Università Commerciale ‘Luigi Bocconi’ and studied toward an MA in Economics at Tel-Aviv University. He speaks English, Italian (his mother tongue), and Hebrew.

LinkedIn

Participation in this in-person Networking session is no cost to qualified attendees. Once you’ve completed the registration, we’ll confirm your invitation and send you a calendar invite with directions to the meeting hall inside COYA Restaurant.

Talk To Us About Attending Future Events









    This site is protected by Invisible reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

    Here’s what attendees at past events have said:

    Other Active Events

    Receive Upcoming Event Notifications
    Find out about upcoming events you or your team may want to attend.
    SUBMIT
    By hitting submit, you agree to receive important updates from Common Sense.