Effectiveness through data science

2OS built the first automated credit policy and custom risk model for a client, whose existing underwriting process was manual.

2OS developed a customized collections approach through portfolio segmentation and offer optimization. The new policy increased liquidation rates with minimal changes to costs.

2OS partnered with a medium-sized credit card issuer to develop a new customer management risk model. We helped the issue rank order their existing credit card customers and increase their profitability.

2OS worked with a major US bank to improve their digital acquisitions. We analyzed web traffic and modeled site visits to improve click-through rates and conversions for visitors on the web.