The Treasure Trove of Credit Data: Managing Risk
summary
Market-owned European DataWarehouse runs an Azure cloud + DevOps platform that captures loan-level ABS data since 2013, holding 100 million loans with 50–60 fields per loan (hundreds of billions of datapoints) updated monthly; it is registered by ESMA and the FCA and priced as a utility so institutional users get bulk access cheaply. Use cases include lender stress tests, credit-card usage (Q2 max-outs doubled), asset-level signals (old Audi Q7s show persistently high delinquency) and energy-efficiency as an income-confounded risk factor.
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chapters (14)
- 0:00European Data Warehouse intro
- 1:25Loan-level data in risk management
- 3:13Creation of the European Data Warehouse infrastructure
- 5:25Credit data scale and depth
- 7:33Global data usage and GDPR
- 9:21Car loan default risks
- 11:07Dutch mortgage trends
- 12:30Energy-efficient loan myths
- 14:56Green car financing harmonization
- 16:42Europe vs global data use
- 17:45Credit card spending trends
- 19:30AI in risk modeling
- 20:56ESG data for risk management
- 21:16Big Short data lessons
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