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Confluent Strategies empowers banks, credit unions and the consumer finance industry, helping them grow their deposits and loan portfolios, and educating them to meet compliance requirements.
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Confluent Strategies provides auto dealers and lenders with comprehensive insight about the automotive market and its consumers.
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A more complete view of the auto lending market
Lenders specifically asked for:
Using anonymous, transactional-level data helps you more accurately understand the performance and behaviors of your dealership network.
The ability to see what the marketplace is actually doing is critical to optimize your competitive strategies. TradeSight™ shows you how many loans went bad and when they went bad, how many are past due, how many paid early and how early they paid. It provides consumer scores at origination, for the most recent six months, and as of the most recent reporting month.
TradeSight also shows lenders evidence of positive and adverse selection within a dealer or dealer group, providing insight into dealer relationship and identifying risk and opportunity to expand.
TradeSight includes data on over 60 million individual auto loan tradelines designed to help lenders better understand their dealers, potential new dealers, lending trends and their own company.
Information is provided on loans/leases booked within the most recent 48 months. You get your booked, approved but not booked, and declined loan/lease data PLUS those loans/leases not presented to your institution.*
Data provided includes:
With TradeSight, you only pay for the data which is relevant to your business.
The data visualization tool enables ad hoc reporting, has 18 pre-defined charts and graphs, as well as summary metrics, PLUS the ability to further segment by consumer state, lender, and dealer and many other variables.
Customers also have the option to receive the data in a delimited file format which provides the ability to leverage data and analytics in one deliverable. The data file contains all of the data which drives the Smart View graphs and charts plus additional data elements.
You can see lender performance attributes such as days past due buckets, delinquencies, write-offs, months from open date to repossession, bankruptcy and past due amount.
With TradeSight, lenders have the option to buy only the information relevant to their business. For example, the data purchased can be limited to specified states, franchised dealers only, transactions within a certain credit score range, and more. TradeSight can even provide data on only the dealers you specify – and you will only pay for those dealers.
TradeSight helps auto lenders: