Identify, quantify and substantiate opportunities and risks worth acting on

Internal data shows what is happening within an organisation’s existing portfolio. It may not reveal how customers behave elsewhere in the market, what happened to declined or unfunded applicants, where demand is concentrated or where risk is emerging beyond the current book.

Ascend Analytical Sandbox combines an organisation’s data with Experian market-wide credit data, analytical tools, modelling and reporting within a secure working environment. It helps teams test assumptions, quantify opportunities and risks, and build an evidence base for growth, portfolio, and risk decisions.

This gives risk, product, finance, marketing, analytical and executive stakeholders evidence they can use to determine which growth, portfolio, policy, customer or model priorities warrant further action.

Assess your portfolio in the context of the wider market

Most organisations can analyse customers, applications, approvals, declines, products, arrears and performance already visible within their own systems. While that view reflects the organisation’s historical policies, acquisition strategies and existing customer base, it may provide limited visibility of:

Customers who hold products elsewhere

What happened after an application was declined or not funded

Customer movement between providers

Demand within unfamiliar or underrepresented segments

Changes occurring outside the existing portfolio

Whether a portfolio trend reflects an internal issue or wider market conditions

An organisation may know that growth has slowed without knowing whether demand has shifted elsewhere. It may identify deterioration within a segment without knowing how comparable customers are performing across the wider market. It may suspect that existing policy is excluding customers within risk appetite without enough evidence to quantify the effect.

Ascend Analytical Sandbox adds external context to the internal view, helping teams understand what is occurring within the portfolio, how it compares with the wider market and where further analysis may be warranted.

Where Ascend Analytical Sandbox can be utilised

Ascend Analytical Sandbox is most valuable when the organisation begins with a specific objective and a clear evidence gap. The objective may be to grow, protect, improve or validate a product, portfolio, policy, model or customer strategy. The analytical process then examines what the organisation cannot currently see, prove or quantify with internal data alone.

exisitng portfolio

Growth of the existing portfolio

Growth may be constrained by limited visibility of potential eligible customers, conservative policy settings or customer segments that are underrepresented within the existing book.

With Ascend Analytical Sandbox, organisations can compare portfolio performance with wider market behaviour to examine where demand exists, how relevant customers perform and whether profitable growth may be available within the organisation’s risk appetite.

Relevant analytical approaches may include segmentation, market sizing, approval analysis, swap-in analysis and examination of declined or unfunded populations.

presentation

Launch or develop a product, market or segment

A product or market opportunity may appear attractive without enough evidence to determine its size, customer fit or risk characteristics.

Ascend Analytical Sandbox can help teams assess demand, demographic and credit characteristics, market penetration and the behaviour of unfamiliar or thin-file populations before committing product, marketing, risk and operational investment.

The analysis can provide a shared evidence base for product, finance, risk, marketing and executive alignment.

customer

Defend market position

Internal portfolio data may show customer attrition or declining product performance without revealing where customers move next or how competitors are affecting the portfolio.

Ascend Analytical Sandbox can examine customer flows, off-book activity, market penetration and relevant external behaviour. This can help quantify where customer leakage is occurring and which segments may warrant a retention, pricing or treatment response.

risk

Recalibrate risk appetite or portfolio mix

Policy settings developed from internal historical experience may not reflect current market behaviour or the performance of customers outside the existing book.

Ascend Analytical Sandbox can help teams examine whether policies are excluding customers who may remain within appetite, accepting avoidable risk or missing signs of stress beyond the portfolio.

Relevant approaches may include reject inferencing, swap-in and swap-out analysis, roll-rate analysis, portfolio benchmarking and examination of alternative risk bands.

customer management

Improve customer management and portfolio performance

Changes in repayment behaviour, external credit activity or customer circumstances may provide evidence that different segments require a different approach.

Ascend Analytical Sandbox can combine internal portfolio information with external behavioural context to identify changing populations and examine where intervention may be appropriate.

This can support portfolio-health analysis, customer segmentation, early-warning investigation and assessment of proposed account-management or collections strategies.

data prep

Develop or evaluate analytical models

Model development requires suitable data, analytical tools and evidence that the model performs consistently across relevant populations and time periods.

Ascend Analytical Sandbox supports data preparation, attribute analysis, feature engineering, scorecard development, machine-learning workflows and analytical validation.

The environment supports model development and evidence creation. Where an approved model needs to progress into production deployment, monitoring and lifecycle governance, Ascend Model Ops provides the relevant operational pathway.

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Ascend Analytical Sandbox frequently asked questions

Ascend Analytical Sandbox is a secure analytical environment that combines client data, Experian market-wide de-identified credit data, analytical tools, modelling and reporting for portfolio analysis, market insight and model development.

It helps organisations place their own portfolio in wider market context and quantify opportunities or risks before committing investment, changing policy or progressing into implementation.

Ascend Analytical Sandbox can support client data, de-identified information from Experian’s Australian and New Zealand consumer and commercial credit bureaus and selected approved sources. Availability depends on the service, permissions, data rights and commercial arrangements.

 

Yes. Client data can be combined with relevant Experian and approved additional data, subject to data preparation, security, access and permitted-use requirements.

Analytical and data-science teams are likely to be primary users. The business value extends to credit risk, portfolio, product, finance, marketing, governance and executive stakeholders who need evidence to assess a proposed course of action.

Use cases can include portfolio benchmarking, market analysis, customer segmentation, declined-population analysis, policy testing, scorecard development, model development, analytical validation, reporting and visualisation.

Ascend Analytical Sandbox can support advanced analytical and machine-learning workflows. Available tools, languages and model types should be confirmed for the relevant service and implementation.

Not necessarily. Experian Ascend Analytical Sandbox can augment existing analytical capability by providing Experian data, market context, tools, methodologies and a maintained working environment for relevant use cases.

Ascend Data Hub helps organisations discover and connect data. Ascend Analytical Sandbox provides the environment in which approved data can be analysed, modelled and translated into evidence.

Ascend Analytical Sandbox supports analysis, model development and analytical validation. Ascend Model Ops supports model deployment, operational monitoring, version management and lifecycle governance.

Approved analytical findings may inform changes to policy, segmentation, pricing, limits or treatment. Supported models and strategies can then progress through the relevant model-operations and PowerCurve decisioning processes.

Yes. Experian Ascend Analytical Sandbox is one of the products delivered through the Experian Ascend Platform ecosystem alongside data, model-operations and decisioning capabilities.