With Upstart’s RCP capability, lenders can identify when an existing customer is actively shopping for a loan, offering an opportunity for that lender to expand their relationship by making a compelling offer of credit.
Upstart, a lending marketplace provider, has launched Recognised Customer Personalisation (RCP) as part of the Upstart Referral Network to enable banks and credit unions to present a customised loan offer to customers who are looking for a loan on Upstart.com.
Michael Lock, Senior Vice President of Lending Partnerships at Upstart, said, “In the current economic environment, lenders are laser-focused on retaining their customers and increasing the lifetime value of those relationships. RCP enables them to reach their existing customers in a new way, provide more value, and build loyalty.”
With this capability, lenders can identify when an existing customer is actively shopping for a loan, offering an opportunity for that lender to expand their relationship by making a compelling offer of credit.
Some of its features are instant identification of lenders’ customers and their tradeline status and credit offers completely tailored to existing customers, including credit box, risk tolerance, return target, loan size and terms, and geographic focus. Additionally, it provides the ability to choose between Upstart’s AI-enabled credit decisioning or the institution’s existing and approved underwriting model.
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