Driving auto credit

Case study: GE Money

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GE Money's Indonesian auto loans joint venture, Astra Credit Companies (ACC), has achieved a healthy turnaround in its loan loss ratios and seen a steady improvement in its net income in the past 18 months, following the introduction of a new risk management model established by chief risk officer Alan Ni.

"We have developed a risk model which gives us an estimate of what our future loan losses will be based on bookings made today with a very high confidence level," says Jakarta-based Ni. "We

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