Scoring services offered by PIC Solutions, the largest established credit risk consultancy in Central Europe Middle East Africa (CEMEA) region.

1. www.PICSolutions.com © Copyright PIC Solutions 2009
ABU DHABI OFFICE
PIC Solutions International
Postal Address
P.O. Box 107580
Abu Dhabi
United Arab Emirates
Tel: +971 (0)2 627 7510
Fax: +971 (0)2 627 7510
CAPE TOWN HEAD OFFICE
Postal Address
P.O. Box 2455, Cape Town, 8000
South Africa
Tel: +27 (0)21 680 6000
Fax: +27 (0)21 680-6003
DUBAI OFFICE
PIC Solutions International
Postal Address
P.O. Box 502390 , Dubai Internet City, Dubai
United Arab Emirates
Tel: +971 (0)4 369 7624
Fax: +971 (0)4 369 7623
JOHANNESBURG OFFICE
Postal Address
P.O. Box 3350, Parklands, 2121
South Africa
Tel: +27 (0)11 759 0300
Fax: +27 (0)11 880 0466
MANAMA OFFICE
Postal Address
P.O. Box 25461, 6th Floor, National Bank Tower, Manama
Kingdom of Bahrain
Tel: +973 1721 5564
Fax: +973 1721 5564
Email: Info@PICSolutions.com
Web: www.PICSolutions.com
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Scoring Services
Presented by:
National Data Consultant (Pvt.) Ltd. - NDC

2. www.PICSolutions.com © Copyright PIC Solutions 20092
PIC Solutions overview: Who we are
 Largest established credit risk consultancy in Central Europe Middle East Africa
(CEMEA) region
 Offices in Cape Town, Dubai, Johannesburg, Manama and Nairobi
 Over 120 professional staff; 150 companies in 30+ countries
 Specialists
 Turnkey solutions – Consulting / Analytics / Software
 Emerging market specialists / developed market expertise
 Long term ongoing relationships with clients
Consulting
•Best practice
customer
management
covering entire life
cycle
•Product based
consulting e.g.
TRIAD, Debt
Manager
Predictive
modeling
•Scorecard
development
•Scorecard
maintenance
•Scorecard
HealthChecks
Analytics
•Profitability models
•Affordability
models
•Provisioning
models
•Score cutoff
analysis
•Portfolio MI
•Scenario analysis
•Risk-based pricing
Software
•Professional
services
•Project
management
•CreditSmart suite
of credit systems
•FICO Alliance
Partner
The Credit
Academy
•Specialist credit
risk management
seminars PIC Solutions
Value
Proposition

3. www.PICSolutions.com © Copyright PIC Solutions 20093
Scoring Services and the Credit Life Cycle
Where credit decisions are to be made, scoring solutions
empower the answers
Marketing
Originations
Account
Management
Early Stage
Collections
Recovery
Which customers do we target with which offers?
Do we approve this credit application?
Do we increase this customer’s credit limit?
How do we cure this account effectively?
How do we optimise the placement
of accounts?
Application
Scorecards
Response
Scorecards
Behaviour Risk
Scorecards
Collections
Scorecards
Recovery
Late Stage
Collections
How do we recover the maximum
outstanding balance?
Payment
Projection
Scorecards

4. www.PICSolutions.com © Copyright PIC Solutions 2009
Account Origination Scoring
 Provide objective and consistent results in line with business objectives
and risk appetite
 Automate Approve / Decline decisions on new accounts
 Perform product type decisions - offer the right product to that risk profile of
customer:
 Pricing
 Product term
 Credit limit
Provides the capability to maximise return whilst managing
acceptance and bad debt rates
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5. www.PICSolutions.com © Copyright PIC Solutions 2009
Account Management Scoring
PIC Solutions’ behaviour scorecards have been used to manage:
 Credit risk
 Limit and authorisation management - maximise account profitability through
limit and authorisations decisions
 Repeat business decisions for term products
 Marketing
 Spend - make proactive offers to encourage spend
 Attrition - prevent good customers from becoming dormant or leaving
 Collections
 Early stage collections – cure overdue accounts efficiently
 Late stage collections – recover maximum outstanding balance
 Recoveries – optimise account placement
Account management scoring enables the right action to
be taken at the right time
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6. www.PICSolutions.com © Copyright PIC Solutions 2009
Sources of Scoring ROI
A few of the sources of return on investment from PIC’s scoring
solutions:
 Improved ability to distinguish good accounts from bad accounts
 Average improvement between 40-80%
 Operational efficiency
 Reduction in resource costs
 Provide control to manage flow of new accounts
 Reduction in bad debt
 Positive knock-on effect throughout the life cycle
 Increased profitability by controlling risk
 Credit limit decisions
 Authorisations strategies
 Collections strategies
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Project payback within
2 to 6 months
25-30% reduction in
head count requirement
30% reduction in
bad debt

7. www.PICSolutions.com © Copyright PIC Solutions 2009
Scorecard Development
 Expert Scorecards built:
 Based on experience and
 Market understanding
 Business requirements
 No historical data used
Ideal for new ventures
 Custom Scorecards
 Empirically based – built on historical data
 Specific to the company
 Developed for a specific portfolio
Ideal where historical data exists
Client Sign-off
1 Startup meeting
2 Data validation
3 Project Specification Meeting
4 Build Known Good Bad Model
6 Inference Process
7 Build All Good Bad Model
8 Delivery Meeting
9 Delivery Document
Client Sign-off
5 Segmentation Meeting
Client Sign-off
Onsite
Offsite
Custom Applications Scorecard
Development Process
Client Sign-off
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8. www.PICSolutions.com © Copyright PIC Solutions 2009
Scoring Services
In addition to building models, PIC Solutions offers services to ensure clients
gain greatest benefit from scoring:
 Scorecard HealthChecks -Analysis of current scorecard performance and
recommendations thereon
 ScoreMentor - Training of in-house scoring departments
 Scorecard Monitoring - Analytical support for building and interpreting
scorecard reports
 Scorecard Alignments - Maintaining predictive capability of behaviour
scorecards
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9. www.PICSolutions.com © Copyright PIC Solutions 20099
PIC Solutions Scoring Credentials
 Largest and most experienced scoring team in EMEA
 Domain expertise across 20 countries
 Best practice scorecard development methodology
 Models built on leading technology

10. www.PICSolutions.com © Copyright PIC Solutions 2009
Questions & Answers
© Copyright PIC Solutions 2008
JOHANNESBURG OFFICE
Office Address
PIC Solutions
5th Floor, JHI House
11 Cradock Avenue, Rosebank
Johannesburg, 2196
South Africa
Postal Address
P.O. Box 3350
Parklands
2121
South Africa
Tel: +27 (0)11 759 0300
Fax: +27 (0)11 880 0466
DUBAI OFFICE
Office Address
PIC Solutions
Shatha Tower
19th floor, Office No. 1910
Dubai Media City, Dubai
UAE
Postal Address
P.O. Box 502390
Dubai Internet City
Dubai
United Arab Emirates
Tel: +971 (0)4 369 7624
Fax: +971 (0)4 369 7623
NAIROBI OFFICE
Office Address
PIC Solutions
Office 10, 13th Floor
Landmark Plaza
Argwings Kodhek Road
Nairobi, Kenya
Postal Address
P.O. Box 8103
Nairobi
00200
Kenya
Tel: +254 (0)20 367 3884
Fax: +254 (0)20 367 3232
Email: Info@PICSolutions.com
Web: www.PICSolutions.com
CAPE TOWN HEAD OFFICE
Office Address
PIC Solutions
Birkdale I, River Park
Liesbeek Parkway, Mowbray
Cape Town, 7700
South Africa
Postal Address
P.O. Box 2455
Cape Town
8000
South Africa
Tel: +27 (0)21 680 6000
Fax: +27 (0)21 680 6003
MANAMA OFFICE
Office Address
PIC Solutions
6th Floor
National Bank Tower
Manama
Kingdom of Bahrain
Postal Address
P.O. Box 25461
6th Floor, National Bank Tower
Manama
Kingdom of Bahrain
Tel: +973 1721 5564
Fax: +973 1721 5564
10www.PICSolutions.com © Copyright PIC Solutions 2009