Experian
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About Experian
Experian unlocks the power of data to create opportunities for consumers, businesses and society. At life’s big moments – from buying a home or car, to sending a child to college, to growing a business exponentially by connecting it with new customers – we empower consumers and our clients to manage their data with confidence so they can maximize every opportunity.
We gather, analyze and process data in ways others can’t. We help individuals take financial control and access financial services, businesses make smarter decision and thrive, lenders lend more responsibly, and organizations prevent identity fraud and crime.
For more than 125 years, we’ve helped consumers and clients prosper, and economies and communities flourish – and we’re not done. Our 21,700 people in 30 countries believe the possibilities for you, and our world, are growing. We’re investing in new technologies, talented people and innovation so we can help create a better tomorrow.
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Change Company | Change Company | Change Company | ||
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Overall Rating | 3.9/5 based on 114 reviews | 3.3/5 based on 7.6k reviews | 3.0/5 based on 2.4k reviews | 3.9/5 based on 1.3k reviews |
Highly Rated for | Work-life balance Salary Company culture | No highly rated category | No highly rated category | Job security Work-life balance Company culture |
Critically Rated for | Promotions | Job security Company culture Promotions | Promotions Company culture Work satisfaction | Promotions |
Primary Work Policy | Hybrid 75% employees reported | Work from office 48% employees reported | Work from office 89% employees reported | Hybrid 92% employees reported |
Rating by Women Employees | 3.8 Good rated by 22 women | 3.2 Average rated by 630 women | 3.0 Average rated by 595 women | 4.0 Good rated by 305 women |
Rating by Men Employees | 3.9 Good rated by 90 men | 3.3 Average rated by 6.5k men | 3.0 Average rated by 1.7k men | 3.9 Good rated by 899 men |
Job security | 3.6 Good | 2.7 Poor | 2.9 Poor | 4.1 Good |
Experian Salaries
Senior Software Engineer
Software Engineer
Senior Consultant
Business Analyst
Staff Engineer
Data Analyst
Engineering Manager
Sales Manager
Product Manager
Software Developer
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Credit where credit’s due: Inside Experian’s AI framework that’s changing financial access
- Experian has taken a measured approach to adopting and deploying AI, developing its own internal processes and governance models.
- Their approach blends advanced machine learning, agentic AI architectures, and grassroots innovation to improve business operations and expand financial access.
- Experian has been developing AI capabilities for nearly two decades, leveraging generative AI breakthroughs rapidly.
- The company has pioneered the use of Gradient-Boosted Decision Trees and explainable AI systems for credit underwriting.
- Experian was already experimenting with language models and transformer networks before the release of ChatGPT, allowing them to quickly leverage generative AI advancements.
- Their structured approach around strategic pillars offers a blueprint for enterprises seeking systematic AI implementation with measurable impact.
- Experian's platform architecture prioritizes adaptability and flexibility in technology choices to avoid one-way doors and accommodate evolving AI capabilities.
- The company's AI implementation has had a significant impact on addressing the challenge of 'credit invisibles' by approving more applicants from previously invisible populations.
- For enterprises aiming to lead in AI adoption, Experian recommends building adaptable architecture, integrating governance early, focusing on measurable impact, and considering agent architectures.
- Experian has demonstrated that responsible AI governance enables sustainable, trusted growth and significant business and societal impact for traditional data companies transitioning into AI-powered platforms.

Bloom Credit Appoints New Chief Product Officer and Head of Credit Union Solutions
- Bloom Credit has appointed Christa Degnan as its Chief Product Officer and Tushar Mukhija as Head of Strategy and Partnerships, Credit Union Financial Services.
- Degnan, formerly a senior leader at Experian, brings extensive product management experience and will be responsible for leading product strategy and development at Bloom Credit.
- Mukhija, a credit union solutions executive, will oversee Bloom Credit's expansion in the credit union space.
- Both appointments are expected to support the increasing demand for Bloom Credit's consumer permissioned data product and strengthen its leadership in credit data infrastructure.

Experian Launches Cashflow Score Solution To Increase Financial Access To ‘Credit Invisible’ Lenders
- Experian has launched Cashflow Score to increase financial access for 'credit invisible' lenders.
- Cashflow Score aims to provide lenders with better insights into applicants' financial behavior using bank account data.
- The scores, ranging from 300 to 850, can be used to make decisions on credit cards, personal loans, and auto loans.
- The solution addresses the challenge faced by subprime consumers in improving their credit standing.

Nav Welcomes Experian’s Jacob Kong to Board of Directors
- Nav, the leading credit and financial health platform for small businesses, announces that Jacob Kong, Chief Business Officer of Experian Consumer Services, joins the company's Board of Directors.
- Nav aims to integrate personal and business credit to help business owners with a seamless experience, and Kong's expertise in the credit industry, particularly in the consumer space, will be valuable.
- Nav has been serving small business owners since 2013, helping them improve their credit and financial health through tools for managing credit, cash flow tracking, and financing options.
- Jacob Kong joins Nav's Board of Directors, which also includes key members from Goldman Sachs, Kleiner Perkins, and Visa.

Experian Targets ‘Credit Invisible’ Borrowers With Cashflow Score
- Experian has launched Cashflow Score to increase financial access for individuals with limited credit history.
- The tool provides lenders with cashflow insights using bank account data, helping thin file and credit invisible consumers improve financial access.
- By leveraging consumer-permissioned transaction data, Experian scores the data based on attributes and shares it with lenders to make informed decisions.
- This tool aims to address the challenge faced by borrowers with lower credit scores in improving their credit standing.

Launch of Experian’s Cashflow Score Signals New Era of Open Banking-Powered Lending
- Experian has launched Cashflow Score, a solution that allows lenders to leverage consumer-permissioned transaction data to make more informed credit decisions. The solution provides up to 25% lift in predictive performance compared to conventional credit scores.
- Cashflow Score can be integrated into existing workflows alongside traditional credit scores, giving lenders a clearer view of an applicant's financial behavior, including income, expenses, and cash reserves.
- The solution can be used to improve financial access for individuals with limited or nonexistent credit histories by leveraging only bank account data. It is aimed at bringing more underserved consumers into the financial ecosystem.
- Experian's Cashflow Score is the latest addition to its suite of tools and solutions that support inclusive lending practices and is powered by Experian's industry-leading categorization model.

Affirm to Expand Credit Reporting to Include All Payment Plans
- Affirm plans to begin furnishing information about all payment plans to Experian from April 1.
- This expansion will include pay-over-time products, in addition to existing monthly installments of longer-term loans.
- Experian is the first credit reporting agency to establish a partnership with Affirm for this expanded credit reporting.
- The new loan reporting will help consumers build credit histories and make more informed decisions in the future.

Experian and Mifundo Partner to Improve Cross-Border Credit Assessments in the EU
- Experian has partnered with Mifundo to improve cross-border credit assessments in the EU.
- Mifundo's technology allows individuals to securely transfer credit data across borders.
- Financial institutions can assess the creditworthiness of foreign nationals or clients living abroad.
- Mifundo's solution reduces operational costs and increases business volume for banks.

Experian and Impera Analytics Join Forces to Improve Business ESG Reporting
- Experian UK&I has partnered with Impera Analytics to improve business ESG reporting.
- The partnership aims to enhance ESG commitments and social impact data reporting.
- Experian's ESG Insight tool, backed by trusted business information data, provides lenders with a holistic view of social progress and outcome data.
- Impera Analytics' datasets complement the ESG Insight tool, offering granular insight into a company's social impact at a local authority level.
Experian and ValidMind Partner to Transform Model Risk Management
- Experian and ValidMind have partnered to transform how financial institutions manage regulatory compliance, operational risk, and model governance.
- The partnership integrates Experian's Ascend Platform with ValidMind's model governance and documentation automation solution.
- The integrated solution automates and streamlines aspects of model risk management, reducing the time and risk required to meet compliance requirements.
- Early adopters of the solution reported significant reductions in documentation timelines and improved audit readiness.

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