Experian 2009 Annual Report Download - page 17

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15Experian Annual Report 2009
Introduction
2 – 7
Business review
North America
Governance
44 – 72
Financial statements
73 – 148
15
Virgin Mobile USA is a leading national provider of wireless services,
with more than ve million pay-as-you-go or prepaid customers. In
2008, the company entered the ‘postpaid’ market where customers
agree to annual contracts in order to have access to more advanced
handsets and a range of video, Internet and information services. To
support its growth plans in this market, Virgin Mobile USA needs to
be condent about the decisions it makes about customers and their
ability to full the terms of their credit agreements.
At the heart of this decision-making process is Experian’s Strategy
Management, a sophisticated decision engine that brings together
customer information and analysis with Virgin Mobile USA’s own
credit policies and terms of business. It ensures fast and consistent
decisions at the point of application, while enabling Virgin Mobile USA
to set the most appropriate terms for each customer and to undertake
continual monitoring and renement of the company’s credit strategy.
Danny Perez, Director of Credit & Risk at Virgin Mobile USA: “Experian
has provided us with the ability to rene and execute our credit strategy
with great precision and to be highly responsive to customer needs
and changes in the marketplace.”
MAKING THE RIGHT
CREDIT DECISIONS
AT VIRGIN MOBILE USA