Agenda - Day one - Monday 1 October

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Paul Russell, Director Analytical Solutions, Experian Decision Analytics Paul is the Director of Analytical Solutions for Experian Decision Analytics in Europe, the Middle East and Africa (EMEA). Paul joined Experian in 1990 after completing a PhD in Physics at the University of Nottingham in the UK. He has extensive experience of building predictive models for the consumer and commercial sectors in the telecommunications and financial services markets. He has designed and delivered complex, integrated risk management systems covering new business origination and on-going customer management including collections and recoveries. In his current role Paul has responsibility for analytical methodology, the development of innovative analytical solutions and the dissemination of best practice. Consumer insolvency in the UK High levels of consumer indebtedness and the new provisions around personal bankruptcy contained in the Enterprise Act of 2002 have resulted in significant increases in the number of individual bankrupts in the UK. Paul Russell will present the extensive research carried out by Experian Decision Analytics into this issue. The research focused on the differences between bankrupts and other delinquent customers and considered how credit bureau data could be utilised to better identify customers who will become bankrupt in the future. The presentation will examine trends in the growth of personal insolvency in the UK, and outline the impact of this increase in individual insolvencies. A model of personal insolvency based upon UK credit bureau data will be presented.