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

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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.

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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.

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