Insights into Effectiveness through Data Science

This paper reviews the overall state of consumer credit, focusing on credit cards, personal loans, auto loans, student loans, and mortgages. In addition, we examine the impacts of inflation on lending, the current macroeconomic outlook, and continued observations of risk score warping.

2OS is excited to be returning to Money 20/20 in a few weeks in Las Vegas! Erol Cultu, Sharon Ovadia, Dave Wasik, and Scott Barton will representing the 2OS team. Reach out if you’ll be in town, they would love to connect.

This paper looks at some of the trends and insights from Q2 2022 with a focus on the increasing risk levels among recent vintages for unsecured lending products and the effects of inflation on the auto lending industry.

2OS is excited to be back in Las Vegas for Structured Finance 2022! Erol Cultu will be representing the 2OS team, and would love to meet up. Reach out to him if you’re going to be there as well!

A mid-sized lender in the US approached 2OS to aid in the optimization of its current credit line increase (CLI) policy. Through an initial diagnostic and an analytic deep-dive, 2OS developed several tests and new CLI programs for the client to implement in order to continue its high growth rate.

This week is one of our favorite events of the year – LendIt USA! Scott Barton, Erol Cultu and Mara Albaugh will be there representing 2OS. Reach out if you’ll be there. We would love to meet up!

This paper highlights emerging trends and deep dives into the key areas Fintech leadership teams need to understand in order to create an effective default management strategy while quickly building a strong Collections practice.

This paper looks at some of the trends and insights from Q1 2022 with a focus on how lenders can leverage BNPL data, how the surge in inflation is impacting lending, and how the rise in asset prices can impact your P&L with a focus on auto loans.

Erol Cultu and Matt Cannon will be in Vegas this week representing 2OS at NADA 2022! They would love to meet up if you’ll be in town.

Erol Cultu and Mara Albaugh will be in Vegas this week for AFSA 2022! They would love to meet up if you’ll be in town.

Next week Erol Cultu will be in Vegas representing 2OS at the RMAi conference. Send him a message if you’ll be there. He would love to catch up.

This paper explores whether delinquencies and losses will stay at historically low levels, or if the effects of COVID have reversed and signs of worsening are beginning to show.

2OS is super excited to return to in person conferences starting with Money2020. Erol Cultu will be there representing 2OS. Reach out if you’ll be in town. He would love to connect.

2OS is very excited to be attending Structured Finance 2021 next week. Erol Cultu will be representing the 2OS team talking all things capital markets and collections practices. Reach out if you will also be attending, he would love to meet up.

A large Latin American Fintech approached 2OS with an urgent fraud problem that needed diagnosis. We were able to not only deal with the timely attack, but also identified new areas of weakness and implemented stronger defenses.

PE firms often rely on 2OS’s expertise in the lending space to advise them understanding outstanding loan portfolios in M&A opportunities.

This paper lays out best practices we have developed to better leverage Shapley values in enabling ML model deployment in credit issuance. Through a variety of analyses and comparisons to existing Adverse Action methodology, we demonstrate how Shapley values can be used to satisfy the Adverse Action requirements and break down a common barrier that lenders face in adopting more sophisticated ML models.

2OS worked with a major international bank to redesign their machine learning model responsible for predicting risk on delinquent personal loan accounts.

Written in partnership with BCG, this paper examines the changes to the Consumer Financial Protection Bureau (CFPB) regulations around Debt Collection, and offers some tips on the implications they will have on the industry both over the next year and years to come.

A client needed help increasing enrollment in their deferral/payment programs. so our team helped them review their application process and ran analytics on the increased value from the enrollment strategy.

Working with our consulting partners at Boston Consulting Group, this paper deep dives into how COVID-19 related shifts in consumer behavior and purchasing patterns have exposed new fraud vulnerabilities and what lenders must do to protect themselves in the current economic environment.

Written with our colleagues at BCG, this paper explores how unsecured loan delinquencies are down and call centers are overstaffed during the worst unemployment and public health crisis of our lifetime; and deep dives into managing the loan deferral programs that are keeping millions of customers current on their loans. 

Co-authored by our partners at Boston Consulting Group, this paper focuses on recommendations for making credit and lending decisions at acquisitions stage and for existing customers, during an unprecedented time in financial services.

Written with our partners at BCG, this paper provides six specific recommendations on how lenders of all types and sizes should navigate through this difficult time.

2OS worked with a client to build them an NPV model to help re-evaluate their credit line increase strategy across all of their products.

Having worked with 100’s of issuers, 2OS has proven strategies for implementing new credit policies that attract new customers, while stil maintaining manageable risk levels.