MLX Consulting

EMPOWERED DECISIONS

MLX Consulting Analytics is an agile solution aimed at maximizing your financial institution’s credit portfolio performance through tailored services. MLX Consulting Analytics covers every phase of the credit life cycle from origination to collections.

• Custom Scorecards can increase auto decisioning and boost business. Scorecards can also lead to increased booking ratios and an improved experience for customers and members. Risk control, precision, and more effective pricing will lead to greater profitability.
• Decisioning Optimization Projects, based on What-If simulation, can identify and eliminate inefficient and suboptimal rules that are redundant or don’t provide value for making the correct lending decision. Doing this is the best way to optimize auto-decisioning and minimize risk.  
• Risk-based Pricing provides an optimized pricing framework based on data analytics and financial modeling to maximize the value of the product offering.

OUTSOURCED ANALYTICS DEPARTMENT 


MLX Consulting’s Reveal Pro analytics program uses business intelligence to improve performance, policies and bottom lines. These engagements delve into lending strategies and portfolio performance. All of the analytics that you need for a fraction of the cost of just one analytics resource!

Solutions Include:

• Advanced data analytics focusing on credit dynamics.
• Credit management guidance based on decisioning models and simulations.
• Model validation to ensure compliance and performance. 
- Discretionary hours for tailored analysis as needed.
• Disparate impact analysis using a methodology compliant with CFPB and FDIC.
• Loss-sales analysis for indirect lending. 

• Predictive analytics for cross-selling efforts, including periodic generation of a list of new borrowers. 

• Pricing optimization through risk-based pricing that also accounts for shifting market conditions.