An integrated approach across underwriting, credit and marketing for BNP Paribas

Consumer credit provider, BNP Paribas, embarked upon a programme of underwriting, credit risk and marketing improvements, with a plan to deploy change rapidly alongside its ‘business as usual’ activity. To deliver the project, they turned to Jaywing, knowing that our analytical scale and lending credentials made us an ideal strategic partner.

Jaywing’s initial remit was to refine BNPP’s underwriting processes and strategies, evaluating external risk scores for increased effectiveness at driving competitive advantage.

The projects were tackled through comprehensive reviews, which included interviews with key team members, evaluation of contact centre processes, call listening, examining processes and rules, reviewing modelling techniques, retrospective analysis and analytical evaluation.

Our aims were to find ways to improve the quality of the lending decision while ensuring resources were used to best effect, as well as generating an improvement in the customer experience.

“I’ve worked with Jaywing over a number of years and it has always been an impressive outfit. I’m absolutely confident they will deliver an exceptional piece of work every time."

Man with laptop explains something to another man
The Jaywing team made change recommendations and prioritised BNP Paribas’ biggest opportunities to enable them to focus on realising the greatest benefits as soon as possible.

Jaywing continued to support BNP Paribas’ business transformation programme, helping BNPP provide a service to its retailers that is recognised as market leading, giving BNPP a competitive advantage through a cost-efficient resource model that provided BNPP with access to exceptional marketing, lending and data science professionals.

It’s a real pleasure to work with a team you can trust – and their flexible team model means I get access to the best people as and when I need them without incurring full-time costs. You can’t lose.”

Jet Uppal, Chief Risk Officer, BNP Paribas Personal Finance