Ernest Louw (GCC and Europe) and Kathya Ledesma (Mexico) are intimately involved in the Banking, Data Analytics and ERM service offering at Lux.
We analyse customer behaviour and create segmentation models to help our clients understand those customers better. We also use predictive analytics to assist in predicting account closures, dormancy, propensity to take-up new products, loan prepayments and defaults.
Insight guides action, and small improvements in customer behaviour have dramatic effects on our clients’ financial results.
We ensure enhanced revenue by optimising pricing frameworks used for banking products and services.
We develop models for our clients to gain a better understanding of the risks faced in their businesses, and then to manage unexpected outcomes. Key risks modelled include credit risk, market risk, operational risk and liquidity risk.
By analysing our clients’ credit portfolios we help our clients better understand the risk-return characteristics of their portfolios and identify ways of optimising the risk-return tradeoff.
We project contractual and behaviour cash-flows arising from assets and liabilities under a range of scenarios to assess liquidity and interest-rate risks in banking.
We validate risk models used for loss provisioning and determining capital requirements.
We design and optimise targeted marketing campaigns, as well as the evaluation of the effectiveness of our own and other such campaigns.
We use a range of financial modelling techniques to assist in budgeting, business case/product development, and corporate valuations. Actuarial techniques and perspectives brings you unique insight and ability to manage your business.
We design and optimise loyalty and rewards programmes as well as assist in reserving/provisioning and measuring the effectiveness of the programme.