AIM Banking 3 de Marzo 2016

Transcription

1 AIM Banking 3 de Marzo 2016 Transformamos datos en acceso a financiamiento óptimo para PyMEs

2 Opportunities & Trends

3 Customer Management in a single Vision Marketing Product Risk Customer Management Decision Engine Sales Operations Finance

4 Customer Management in a single Vision Utilization and Activation Analysis Marketing Mix Modeling Life Cycle Analysis Propensity Marketing Product Marketing Mix Modeling Social Scoring Origination Friction Demand- Price Elasticity Behaviour Score Collection Score Credit Scores Bureau Scores Application Fraud Limits Risk Customer Management Decision Engine Sales Response Score Next Best Offer Cross- Sell Likehood Pricing Operations Optimization Staff Management Models Customer Service Response Operations Finance Product s Profitability Revenue Score Lifetime Value OnBoarding Rates

5 Two main focus areas in Customer Mgt Customer Acquisition Customer Portfolio Management Pre- Screening Application Fraud Propensity Scores Credit Score Bureau Score Origination Friction On Boarding Rates Limits Pricing Demand- Price Elasticity Behaviour Score Marketing Mix Modeling Social Scoring Cross- Sell Likehood Up- Sell Likehood Revenue Score Lifetime Value Collection Score Recovery Score Discounts Optimization Matching Score for Debt Collectors Transacional Fraud Market Baskets Analysis Next- Best- Action Social Scoring General Models: Portfolio Delinquency Prediction and Profitability Prediction

6 Prescriptive Analytics = Actionable KPIs Value How can we make it happen? What will happen? Prescriptive Why did it happen? Predictive Foresight What happened? Descriptive Diagnostic Insight Hindsight Difficulty / Complexity Source: Gartner

7 Prescriptive Actions

8 Maximizing Profitability (ROA) Proactive Lead Generation Low Cost Online Channel Growth in SME Portfolio & Life Time Value Open Architecture Money Transfer Increase in Profitability Standard Prospecting Origination Acquisition / Retention / Dispersion / Approval Up Selling Collections Best In Class Customer Acquisition Customer Management

9 Sourcing the Data SME lending requires focus on Cash Flow Data Bureau Bank Statements Payments/Sales Flows Data Invoicing Reliable Sources Analytic Transformation = SME Profile Trust Worthy Credit ID This is the Magic Formula

10 Generating Intelligence A Framework Intelligence Visualization Layer MNCs FIs SMEs Visor Gov. Rules Policies & Business Rules Credit Policies Analytics Layer Customer Acquisition Customer Portfolio Management MNCs Ratings Business Parameters Data Source Layer Internal External FI Requirements Operational MNC Requirements Processes & Operations Support Systems & IT Infrastructure Automated Semi- Automated Manual BI Statistical Computing DBs & Datalake Front- End Systems Back- End Systems Regulatory Requirements General Restrictions Simulation

11 Our approach at Visor Asset Deployment Conveyor Lending Platform Customer Care

12 Asset Deployment Conveyor What does it do? Analytics Models and Dashboards to Indentify, Finance and Monitor SMEs What is it for? Defines the Campaigs which contribute to Reaching the Business Objetives of the Financial Institutions

13 Lending Platform What is it? An Online Channel to service Multiple Financial Institutions providing Frictionless Origination, Multi Product Credit Offering & Collections What is it for? Reduces Aquisition Cost while increasing Customer Serviceand remote Reach

14 Customer Care What is it? Financial Management Tools and Communication Infrasture to reach SMEs. What is it for? Allows for Customer Management Actions to Maximize Life Time Value.

15 Summary

16 Use Case: (-) Time Traditional Process (Days) Promotion Analysis Admission Formalization Total 43 days Visor Campaigns Frictionless Origination and Onboarding via Visor s Online Lending Platform: 43 Impact días Traditional Visor

17 Use Case: (+) Profitability Without Visor + - = - - = Interest earnings 93.9% Comission Earnings 6.1% Funding 38.3% Financial Margin 61.6% Reserves 8.3% Admin & Promotion 31.8% Earnings before Taxes 21.8% With Visor Reserves 4.2%* Admin & promotion Earnings before Taxes 15.9%* 41.5%* Improvements in Portfolio s performance Cost Reductions Increase in ROA 2X Based in CNBV and bank s data *Expected

18 CONTACT Ruben Sanchez Souza +52 (1) Transformamos datos en acceso a financiamiento óptimo para PyMEs