What Actually Works?

Testing and measuring better strategies across the lending lifecycle. Lending teams have more data and more ways to optimize than ever, but knowing what actually drives better outcomes requires experimentation. A new acquisition channel can bring in more customers while worsening credit quality. A tighter approval rule can lower losses while turning away profitable borrowers. A collections campaign can improve short-term payments without changing eventual recoveries. These trade-offs are difficult to see without disciplined testing. This panel examines how lenders design experiments across acquisition, underwriting, pricing, line management and servicing; choose the right measures; and separate a strategy’s effect from changes in the economy or the borrower mix.