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Key good results
Gained a significant 40 basis points in improved profit
Other outcomes: Strategically repositioned personal loan product as 'high margin’ with greater profitability; identified the opportunity to increase profits by 10% making use of strategic pricing alone; increased understanding belonging to the value of data-driven decisions; and offered a lot more personalized pricing with no negative impact to customer satisfaction.
We've partnered with Nomis Solutions to try a considerably more customer-centric and tailored strategy to pricing that will empower us to price our unsecured loans venture appropriately and prudently. The Nomis Price Optimizer enables us to understand the impact of pricing on customer response and use that insight to make smarter pricing decisions during this difficult environment.
Simon Beresford, Head of Consumer Lending, Nationwide
Scotiabank is an individual for the leading personal institutions in North America with the international presence in fifty countries. With headquarters in Toronto, the bank was founded in 1832. Scotiabank has a lot more than 18 million shoppers and over $500 billion in property. Scotiabank partnered with Nomis to implement the Nomis Customer Portfolio Optimizationв„ў suite.
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Exceeded projected 1.3% uplift in property retained (with no expenses to margin) and $3.5 million in Net Interest Income over the initially 12 months
Overall retention rate increased by 1.9%
Average yield remained steady at less than 1 basis point below industry as usual
Average income increased by $5.1 million
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Key outcomes
Increased profits by four.9% although significantly increasing volume by 15.5%
Extra end results: Monitored the impact that new rates had on operation and rapidly made changes to attain desired end results; efficiently updated goals and internal constraints for your entire portfolio, one particular product, or a particular micro-segment; leveraged “what-if” scenarios to determine what would happen if they matched a competitor rate inside of a particular market segment and to simulate the impact of higher loss rates on functionality; and determined through simulation the cross-price effects on other products inside of the portfolio before implementing a product rate change to ensure that their decisions led to desired credit mix and functionality targets.
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