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Experian has signed a global agreement to implement its suite of core solutions to manage the complete credit cycle in the European operations of Clarima Banca, the consumer finance subsidiary of Unicredit Group Italy.

Implementation of the Experian solutions will enable Clarima Banca to improve risk management decisions on customers as they apply for new accounts, manage all consumer and business data available with its reporting and monitoring capabilities, and manage its collections strategy.

Clarima Banca owns and manages affiliates in several European countries and is rapidly expanding its activities in Eastern Europe and Asia. As this solution is to be implemented throughout these companies within the group, it must feature a common credit verification platform. Experian’s automated credit decisioning system enables the bank to centrally control the lending policies, risk assessment, strategies and scorecards. Credit decisions will be delivered in a matter of seconds, with tailored strategies for each vendor in the different countries. The system will be first implemented in Italy, followed by a roll-out to other Central and Eastern European countries.

Milo Marletto, Credit Director, Banca Clarima, said: “We realised that Experian met our criteria during a feasibility study, in which we tested how the solutions worked together seamlessly and can be tailored to satisfy our needs. This technology, along with its experience and international support, made Experian our perfect partner.”

Miretta Menarini, Head of Telecom and Finance Houses Italy, Decision Analytics, Experian , commented: “We are very proud of this agreement as it strengthens our fruitful collaboration with Unicredit Group and gives us the opportunity to expand our support locally to each of the countries where Banca Clarima operates.” 

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