Following are the several segmentation types that are being supported:
· Corporate Tracker Segmentation
· Profitability Segmentation
· Risk Based Segmentation
· Behavioral Segmentation
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NOTE |
The segmentation models within CI are also used to provide an output to OFS Price Creation and Discovery application (OFS PCD). The segments within CI calculate the average values of profitability components which are then used in PCD to analyze the future behavior of an account belonging to that segment and predict its profitability. |
The objective of segmentation is to define a framework that will score accounts at MIS Date and Run level and correspondingly create clusters based on the scores.
Segmentation is done using the following dimensions:
· Year of incorporation
· Status of listing
· Income
· Industry
· Country of incorporation
· Group asset size
Following is the list of Product Types used in IPA segmentation:
· CASA for Current and Saving Accounts
· TD for Term Deposits
· LOAN for Loan Contracts
· CARDS for Credit Cards.
Similar Product Type which is used in Price Creation and Discovery are being referred as CARDS for Credit Cards and Term Deposits.