Slide 1: Risk Management & Data Science
PUBLIC RISK MANAGEMENT & DATA SCIENCE 2021 © MULTITUDE. ALL RIGHTS RESERVED. CAPITAL MARKETS DAY 2021 DANIEL KLIEM, CHIEF RISK OFFICER FE-Classification: General\Anyone
Slide 2: Impairment levels constantly improving & solid track record in managing risk
PUBLIC IMPAIRMENT LEVELS CONSTANTLY IMPROVING & SOLID TRACK RECORD IN SUCCESSFULLY MANAGING RISK IMPAIRMENT LOSSES (TOTAL) / NAR 12,00% • Centralized & independend Risk Function • 30+ experienced Risk professionals 10,00% 9,71% • Highly skilled and experienced Risk Team with superior 2,12 % 8,58% 8,
Slide 3: Today's focus is data as a key element to drive profitable growth
PUBLIC TODAY’S FOCUS IS DATA AS A KEY ELEMENT TO DRIVE PROFITABLE GROWTH • 16 years of data across 25+ markets and 4 TECHNOLOGY continents enriched with relevant external data • Data Collections and usage across the entire Customer Lifecycle OPERATIONS APPLICATIONS • Data Science Team is leveraging
Slide 4: Robust & agile data analytics process to support profitable growth
PUBLIC ROBUST & AGILE DATA ANALYTICS PROCESS TO SUPPORT PROFITABLE GROWTH DATA GENETARION THROUGH TRIBES, SQUADS CUSTOMER SERVICE,MARKETING, MONITORING COLLECTIONS, RISK & EXTERNAL DATA SOURCES • Agile Organization with day-to-day cooperation in Squads & Tribes balanced with central support through
Slide 5: Predictive modelling across the entire customer lifecycle
PUBLIC PREDICTIVE MODELLING ACROSS THE ENTIRE CUSTOMER LIFECYCLE OUTPUT PSD2 Champion/challenger setup Transactional data Analytical applications Spending categorization Automated analytics 1.8m+ sessions Canary deployment 1.1b+ transactions Scoring models 2k+ features Global models Rapid scaling au
Slide 6: Time to market of model optimization much faster than industry standard
PUBLIC TIME TO MARKET OF MODEL OPTIMIZATION MUCH FASTER THAN INDUSTRY STANDARD Case Study: Latvia, New Customers, 2020 Background: Leveraging PSD2 More efficiently. CHAMPION CHALLENGER EXTERNAL … FREQUENCY … … DATA Same FFI Approval Rate MISSING LOGISTIC PATTERNS VALUES REGRESSION 4% ↑ INTERNAL DATA
Slide 7: Vision: industry leader in advanced analytics & decision science
PUBLIC VISION INDUSTRY LEADER IN ADVANCED ANALYTICS & DECISION SCIENCE TOP CLASS FULLY LEVERAGE STATE OF ASPIRATIONAL WE PROVIDE WE LEVERAGE ANALYTICS & DATA THE ART DATA STREAMING RIGHT TALENT & KNOWLEDGE BEST IN CLASS TO SUPPORT OBJECTIVES TECHNOLOGY TECHNOLOGY PROFITABLE GROWTH Centers of Excelle
Slide 8: We are well prepared for the future
PUBLIC WE ARE WELL PREPARED FOR THE FUTURE • Global and fast scalable processes, capabilities & analytics in place • Proprietary data availability across the entire lifecycle for 16years, 25+ markets and five products combined with external data • Proprietary data asset value will further grow with
Slide 9: Thank you
FE-Classification: General\Anyone THANK YOU 2021 © MULTITUTE. ALL RIGHTS RESERVED. PUBLIC