World's leading Payment gateway

Our client is the world's leading payment brand generating more than US$ 4 trillion in annual Card Sales Volume across 179 countries, with an estimated 1.6 billion cards in circulation around the world. We have provided analytics based solutions to their member banks. Our solutions include value based segmentation, attrition models, purchase propensity models, CRM health check, Risk Trees, value migration, and others. We also work with their marketing team to analyze promotions' effectiveness.

Korea’s biggest global network bank

Our client is Korea’s biggest global network bank. We work with them in areas of CRM and strategic marketing delivering analytics and consulting solutions in Campaign Management, Customer Usage Prediction, Check cards, Market Basket Analysis, Segmentation based on Customer needs and other Value added Services. We also partner with this client in building a variety of models for managing campaign response, inactivity, up sell and cross sell.

Large Asian retail bank

Our client is a leading consumer bank in Asia. We work with them to develop spend, revolve, severity, attrition and customer lifetime value (CLV) models for their credit cards portfolio. We also assist them in implementing these models.

One of Europe's largest banks

Our client is one of the largest banks in Europe with operations spread all over the world. We work with our client in the areas of ENR build up, X-Sell, Attrition, Application decisioning etc. We work with the company in the region of India and the Middle East.

Large Housing finance company in India

Our client is one of the largest housing finance companies in India. The main objective of the Company is providing long term finance to individuals for purchase / construction / repair and renovation of new / existing flats / houses. The company has provided financial assistance to more than 8,00,000 customers in fulfilling their wish to have their own dream home.

Large Indian Retail Bank

A young aggressively growing bank, with a clear vision to be the top credit lending institutions and most preferred banking institution. We have worked with the organization in areas of risk & marketing. We have helped the bank built personal loan book of Rs. 125 Cr. by way of cross-selling pre-approved personal loans to liability base and have built various risk scorecards for their assets portfolio.

Large Indian Retail Bank

Our client is one of the first of the new private banks to have begun operations in 1994. The bank has its strengths in both retail and corporate banking and is committed to adopting the best industry practices internationally in order to achieve service excellence. We have helped the bank's credit card team in identifying the potential for selling cards in liability base, segmenting the customers and designing products as per the segment requirements.

Young and aggressive NBFC

Our client is a Non Banking Financial Company which is one of the early movers in the small ticket personal loans segment. The organization has aggressive growth plans to grow its asset book. We have developed risk scorecard for their Small Ticket Personal Loans Portfolio.

 
 

Client Testimonials

"Fractal has delivered to us powerful response models, helping us increase response rates by as much as 30%. Fractal’s strong analytics capabilities and excellent understanding of the banking business, helped deliver solutions that solve real business problems effectively. Their professional approach in managing delivery ensured that our expectations were exceeded through the engagement."

VP and Head, Database Marketing
World's leading Retail Bank

 

"Fractal has an immensely talented workforce in the area of analytical strategies, and has been able to add great value to our bank. Fractal has the ability to stand in the shoes of our managers, and look at a business situation that needs to be optimized, rather than a data mining problem that needs to be solved.  What has also been notable is Fractal's commitment to meeting ambitious project timelines and going that extra mile"

Head Business Intelligence Unit
India's leading Private Sector Bank

 

"We have found that models built by Fractal rank order customers by their attrition behavior very accurately. The models have helped us enhance the effectiveness of our retention program and our retention rates have increased significantly."

Head, Customer Retention
A leading Credit Card Issuer

 

"Our raw data was very cumbersome and we appreciate the work done by Fractal on data cleansing and preparation. Fractal has provided us useful suggestions on streamlining data storage, so that we may increase utilization of our data for decision making."

Chief Technology Officer
A leading global Auto Parts Distributor

 

"Fractal Services have been valuable to us in our endeavor to manage optimal levels of risk on our portfolio. While judgmental scoring models help, statistical scoring models leverage the wealth of data present in an organization to provide a superior risk management tool - a percentage point reduction in loss rates can significantly change profitability for a financial services company."

Head, Retail Risk
India's leading Private Sector Bank