Beyond the credit file: detect vulnerability before it becomes harm

Stop managing arrears. Start preventing them.

Your current customer risk assessment shows what’s already happened: missed payments, defaults, and account closures. But what about the 49% of UK adults with characteristics of vulnerability who are currently invisible to you?

The reality is that financial strain often begins weeks before a credit file score moves. To protect your customers and your bottom line, you need early, live indicators that reveal stress before it escalates into harm.

Download the new eBook from Data On Demand and discover how to close the gap between when financial strain begins and when you can act.

Inside the guide, you will discover:

• The 5 most reliable pre-arrears indicators of financial strain, including a shift to essential borrowing and multiple small-value credit applications.
• Data sources beyond the credit file that capture real-time behavioural changes, life events, and income instability.
• The critical business case for adopting real-time, self-declared Income & Expenditure (I&E) data to filter false positives and weight risk.
• Practical steps for embedding proactive detection into BAU (Business-as-Usual) and triaging support based on the cause of the risk.

Who is this guide for?

Senior leaders in Risk, Compliance, Operations, Customer Strategy, and Data who are focused on:

• Bringing forward the point of vulnerability detection.
• Strengthening Consumer Duty outcome monitoring.
• Embedding real-time data into decision-making and MI.
• Reviewing the scope and quality of current vulnerability data sources.