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Exploring Consumer Credit Risk and Resilience
Manage episode 376972900 series 3511472
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Host Lance Braun (FICO Score, Marketing), discusses consumer credit risk and resilience, as well as the background, development and applications of the FICO® Resilience Index with guest David Binder (FICO Score, Product Management)
- The FICO® Resilience Index can allow financial institutions to discover and manage latent risk within groups of consumers bearing similar FICO® Scores, without cutting off access to credit for resilient consumers
- Leveraging traditional consumer credit data, it is designed to rank-order consumers by their sensitivity to a future economic downturn
- It offers a simple, powerful complement to the FICO Score for an array of use cases.
- In today’s uncertain environment, with increases in interest rates, job losses, and rising inflation, institutions should seek greater insight into consumers’ resilience to market downturns.
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