Portfolio Analysis Using Bureau Data

Through credit bureau and other third-party data, segmentation and modelling techniques, we bring you new insights into the demographic and consumer behaviours of your customers. Through this, you can launch targeted strategies specific to each customer including product offers, limit management, collections and recoveries.

Fully-secure – customer information is %100 protected from external threats and viruses

Can be installed on-premise, or off as a hosted solution

Comprehensive and flexible reporting at both a macro and micro level

Local support means we can respond at short notice and with a fast turnaround time

BENEFITS

  • Portfolio analysis for cross-sell will help you identify and recruit profitable customers. You will meet and exceed acquisition targets, and increase customer engagement
  • You will lower per-account acquisition and marketing costs, while reducing time-to-market

Benchmarking and Reporting Services

Through Qarar’s access to large volumes of industry and market data, we develop a number of regular banking and finance industry reports. These help credit providers gain unique insights on portfolio performance and how they compare to their competitors across a range of lifecycle performance metrics. Such insights enable them to make more informed decisions on business strategy, marketing activities and credit risk strategy developments.

Fully-secure – customer information is %100 protected from external threats and viruses

Can be installed on-premise, or off as a hosted solution

Comprehensive and flexible reporting at both a macro and micro level

Local support means we can respond at short notice and with a fast turnaround time

BENEFITS

  • You will have the ability to address client and/or specific market requirements. For example, the ability to accurately determine market share or industry benchmarks across a broad range of performance metrics, peer rankings and growth opportunities
  • You can use our reports for marketing, credit risk, due diligence and strategy – or a granular analysis for transactional credit products in the market
  • You can produce a performance time series for your business versus peer groups/competitors

Bureau Score Analysis

The bureau score is a highly predictive empirical scoring model. It is designed to evaluate credit risk based on a consumer credit bureau file. The bureau score intelligently interprets the different types of available data and uses a comprehensive range of predictive measures to provide an objective and consistent risk assessment. Through this it delivers a statistical measure of the probability that a consumer will meet their payment obligations.

Credit bureau performance analysis helps you understand how the scores could benefit your organisation, and how you can use the scores to increase your accept rates or reduce the risks you take

The analysis uses retrospective bureau data, coupled with known performance data, to illustrate the swap set opportunities that might exist in application acceptance strategies or in portfolio management strategy qualification.

Fully-secure – customer information is %100 protected from external threats and viruses

Can be installed on-premise, or off as a hosted solution

Comprehensive and flexible reporting at both a macro and micro level

Local support means we can respond at short notice and with a fast turnaround time

BENEFITS

  • You will achieve higher acceptance rates and lower delinquency rates
  • You will enhance the decision-making process, increase decision yield and profitability
  • You will improve your portfolio management strategy performance through better qualification criteria
  • You will achieve a greater level of automation in interpreting credit data
  • You will have better control over the risk/reward trade-off through risk-based pricing

Fully-secure – customer information is 100% protected from external threats and viruses
Can be installed on-premise, or off as a hosted solution
Comprehensive and flexible reporting at both a macro and micro level
Local support means we can respond at short notice and with a fast turnaround time

ACCESS OUR RESOURCES

Our Partners

The Leadership team

The vision and leadership of Qarar`s executive team has seen the company from its founding, and has enabled Qarar to become the region’s leading advisor and solutions partner to deliver data-driven decisioning in the Middle East. The executive leadership team continues to innovate, staying true to the company's mission to provide extensive hands-on practical experience in delivering advanced analytics enabled solutions to several multi-national firms across the world.

Zaid Kamhawi

Chief Executive Officer

Nico van der Westhuizen

Chief Operating Officer

Riaz Jassat

Director, Consulting

Jaycee Wolfswinkel

Sales Director

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WHY CHOOSE US

  • Middle East expertise & regional track record

  • International
    know how

  • Localised Decision Technology

  • Agile
    & responsive

The Oldest Bank in Kuwait Re–emphasized its Reputation as the Most Preferred Lender with Qarar

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Find out How a leading Islamic Bank in Kuwait Grew its Lending Portfolio with Qarar

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A Leading Home Finance Organisation Partners with Qarar to Achieve its Policy Automation Objectives

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How a Leading Bank in Saudi Arabia Maximised its Return on Loans and Other Forms of Credit Through a Holistic Credit Control Solution

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