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Pricing Credit Products - by Robert L Phillips (Hardcover)

CTNR906365 09780804787208 CTNR906365

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2025-09-09 USD 70.78

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Pricing Credit Products - by  Robert L Phillips (Hardcover)
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Number of Pages: 256
Genre: Business + Money Management
Sub-Genre: Finance
Format: Hardcover
Publisher: Stanford Business Books
Age Range: Adult
Book theme: General
Author: Robert L Phillips
Language: English



About the Book



Drawing on the author's professional experience and the latest scholarly research, this book is the first to show lenders how they can apply the proven techniques of price optimization to improve the profitability of their credit products while managing risk.



Book Synopsis



In the wake of the 2008 financial crisis, it became apparent that pricing loans in a way that is profitable for lenders and sensitive to risk is anything but simple. Increasingly, lenders are following the lead of other retailers by segmenting their market and more precisely cartnearing customers. To do this successfully, lenders must engage analytic approaches, such as machine learning and optimization, in setting prices for each segment.

Robert L. Phillips worked with major banks and financial services companies for more than a decade to help them improve their pricing capabilities. This book draws on his experience, as well as the latest academic research, to demonstrate how lenders can apply the proven techniques of price optimization to responsibly improve the profitability of their loans. It is a go-to resource for academics and professionals alike, particularly lenders who are looking for ways to do better business in an increasingly competitive (and regulated) market.



Review Quotes




Bob Phillips is the preeminent authority on and intellectual father of price optimization in retail banking. This book combines real-world experience with a rigorous scientific framework and tangible advice to practitioners. The mathematical and operational approaches to pricing he outlines will generate many basis points of incremental margin while ensuring fair treatment of the customer. As banks globally are implementing data-driven approaches to pricing, this is required reading.--Frank Rohde, CEO "Nomis Solutions"

Going beyond just risk-based pricing, this is a comprehensive synthesis of the field from the foremost expert in it.--Larry Rosenberger "FICO"

In the banking industry, pricing is about to have a moment in the sun. With rising interest rates and an inexorable move towards personalized pricing, pricing insights, analytical sophistication, and execution capabilities are likely to become key differentiators between the winners and the losers. In this deep dive into credit pricing, Bob Phillips unpacks what is required for lenders to drive profitability through pricing; while not falling foul of the regulators.--Alan McIntyre, Senior Managing Director, Global Banking "Accenture"

Phillips provides a lucid treatment of an important subject in today's economy--namely, the pricing and management of personal loans and other credit products. This book does an excellent job of exposing the uninitiated reader to the main issues at stake, while offering a substantial review for experienced professionals.--Rene Caldentey "University of Chicago Booth School of Business"



About the Author



Robert L. Phillips is Director of Pricing Research at Amazon. He was Director of Marketplace Optimization Data Science at Uber Technologies, Professor of Professional Practice at the Columbia Business School and Founder and Chief Science Officer at Nomis Solutions. He is the author of the award-winning Pricing and Revenue Optimization (Stanford, 2005) and the co-editor of The Oxford Handbook of Pricing Management (2014).

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