Crede improves your bottom line profitability via analytics focused on business value generation.
Crede customizes your customer services for each and every customer by making sense to data.
Crede measures risk and optimizes the collections process.
Crede offers state-of-the-art methods of reaching out to the right customer.
About Us

Crede generates actionable information out of data. Our core competency lies in turning predictive analytics to value-increasing actions. We claim to do things different by bridging tech-savviness with a focus on the bottom line.

We believe that data is only as good as the amount of actionable insights generated from it.
Values
  • We strive to take on projects which we believe will contribute positively to the bottom line of our clients: We always have an eye on rate-of-return and engage only when expected business monetary benefit exceeds consultancy cost.

  • We believe that consultants' success depends on their customers' implementation success. This means that we do not just deal out drawing board advice but provide hands on commitment during implementation when asked.

Crede’s data technology transforms the way you reach and manage your customers by empowering the head office, personalizing customer experiences and creating long-term profitable customer relationships. Our services are industry free and based on only and only analytical data results.

What does "Crede" mean?

Wiktionary defines Crede as the 'Second-person singular present active imperative of "crēdō"'. In short, it means "believe!" in Latin. The Latin word is associated with English words of credibility, belief and creed.
Publications
Açık Veri Pazarları
Türkiye’de İşletme Trendleri (2016)
Türkiye’de İşletmeler İnternetteki Bilinirliklerine Ne Kadar Önem Veriyor?
Forbes-Teknoloji İş Analitikleri
Satış ve Pazarlama Süreçlerinizde Müşteri Verisinin Rolü Nedir
Kariyerin Kristal Küresi ve Ötesi
Customer Segmentation in 5 Questions
How to Prevent Problems Before They Occur
Can Tactical Targeting Improve Bottom Line Profit?
Sosyal medya ve müşteri ilişki ağı analitiğinin değeri
Social Media And the Value of Customer Analytics
Analytics in Outsourcing: Who is Going to Hang-up First?
A PD Validation Framework for Basel II Internal Ratings-Based Systems
Attaining sharper Pricing-for-Risk in the U.K. Sub-Prime Mortgage Market
Konzeptionen und Modelle für Data Warehouses: Eine Untersuchung am SAP BW (German)
Credit Collections & Risk World - June 2010 p.22 : Make Retail Loan Top-up Programmes Profitable
Credit Collections & Risk World - June 2009: Delinquent Borrowers are Still Your Borrowers
Veri Madenciliğine Giden Yol
B2B satış potansiyeli üretmenin 3 kolay yolu
Newsletters
Crede Newsletter #6
Crede Newsletter #5
Crede Newsletter #4
Crede Newsletter #3
Crede Newsletter #2
Crede Newsletter #1


Services
Crede’s data technology transforms the way you reach and manage your customers by empowering head office, personalizing customer experiences and creating long-term profitable customer relationships. Our services are industry free and based on only and only analytical data results.
CUSTOMER & PRODUCT PROPENSITY
Crede provides industry- or function-focused analytical marketing services. We aim to provide full-spectrum service beyond analytical modeling: We participate in the implementation of models and engage in periodical or in-campaign follow-up tuning.
We are capable of not only developing predictive models but also deliver end-to-end solutions for our clients. Project phases we can get involved include:
  • Business value definition
  • Data preparation
  • Statistical analysis
  • Conclusive reporting, Business Intelligence interphase and dashboard preparation
RETENTION
Crede generates analytical churn prediction models that rank customers by their likeliness to leave the company meaning “churn”. A churn prediction model predicts customers who are likely to churn in the near future and the model owner can take preemptive actions.
Project phases are:
  • Churn definition (for non-subscription based businesses)
  • Derived variable preparation
  • Data mining iterations
  • Actions development
  • Performance management & Retention Model Presentation
Project deliverable includes data mining model, key performance measures, churn segments and recommended actions for these segments.
Crede is also capable of regularly running the models on its server and providing churn segments if requested.
COLLECTIONS OPTIMIZATION
Crede develops comprehensive collections action in order its clients to improve its collections efficiency. Like all resources, collections resources are also limited. Optimizing its collections, our clients know who to call and while identifying the self-payer and non-payer customers from the first day. Therefore, they can direct their energy where it worths.
A typical project includes the following phases:
  • Analysis of existing collections tools and actions
  • Development of collections decision tree
  • Actions development
  • A/B testing
Project deliverable includes data mining model, key performance measures, churn segments and recommended actions for these segments.
Crede is also capable of regularly running the models on its server and providing churn segments if requested.
SEGMENTATION
Crede delivers segmentation based on client’s strategy. Segmentation can aim x-sell, customer value, life style, payment behavior, risk profile … Our segmentation models help our clients to understand its customers better and take necessary actions.
A typical project consists of the following projects:
  • Segmentation strategy
  • Variable preparation
  • Clustering iterations
  • Business touch
Results of the study are algorithm to segment customers and recommendation set for each segment.
RISK PREDICTION
Crede develops analytical models that can predict whether a customer will get late in a payment or default. A risk scorecard helps a company to rank its customers by risk, predict a future loss and take preemptive actions.
A typical project phases are:
  • Risk definition
  • Data collections and derived variable preparation
  • Scorecard iterations
  • Model performance management & Risk prediction model presentation
Project deliverables are scorecard algorithm and performance
CUSTOMER LIFETIME VALUE
Customer Lifetime Value “CLTV” predicts/measures the value of a prospect or existing customer. CLTV model helps our clients to answer questions such as:
  • How much money per customer should I spend for customer acquisition?
  • Which segment of my customers are profitable in the long run?
  • How much should I spend for the loyalty program? Loyalty award per customer?
CLTV is the sum of all acquisition, x-sell, up-sell, retention and winback efforts in terms of cost and benefit. It requires 360 degrees analysis of client data but delivers a full fledged results to understanding the customer.
Deliverable of the project is a monetary value that represents the total expected benefit from each customer.
Project deliverables are scorecard algorithm and performance


Industries


Scorecards
Web Strength Score
Web Strength Score is a proprietary Crede Scorecard that runs for commercial entities. It is measures the quality of a corporate website, evaluates social media utilization and technology usage. Web Strength Score technology is based on Naïve Bayes and Crede’s in-house developed algorithms. Besides giving insight about the current state of the company, score card has prediction measures as well. Variable frequency distribution and historic behavior considered for business sanity check while gini maximization is the statistical target and main test parameter.

A typical output may look like:
Company Name Telephone Number WebSite City ID Crede Score*
Assan Alüminyum Sanayi Ticaret Anonim Şirketi +90216581xxxx http://www.assanaluminyum.com  34 77
Greif Mimaysan Ambalaj +90262751xxxx http://www.greif.com.tr 41 77
Ceylan Çelik Eşya Büro Mobilyaları Dekorasyon İnşaat Sanayi +90212472xxxx http://www.ceylancelik.com.tr 34 67
Maritim Pine Beach Club +90242710xxxx http://www.maritim.com.tr 7 56
Askon As Çelik Konstrüksiyon Sanayi Ve Ticaret Limited Şirketi +90212451xxxx http://www.askonas.com  34 72
Filiz Güvenlik Sistemleri Ticaret Limited Şirketi +90232441xxxx http://www.filizguvenlik.com.tr 35 68
Opis Otomobil Pazarlama Sanayi +90312293xxxx http://www.opis.com.tr 6 56
Syd Bilgisayar Elektrik Elektronik Haberleşme Sanayi Ve Ticaret Limited Şirketi +90216347xxxx http://www.syd.com.tr 34 68
* Score ranges between 0 and 100
Custom Scorecards
Custom scores are designed according to the needs of our clients. Custom scorecards widely diverging goals like from risk evaluation to propensity for a specific product.

If you
• want to know your top potential customers to sell your product
• want to rank your customers by risk

custom scorecards help you to manage your income and costs better.

Scorecarding mechanisms that Crede uses are state of at techniques which leads to proven business results. Scorecard building mechanisms include CHAID to random forest, logistic regression to neural networks. Main target is to  optimize for accuracy, precision , recall and f-measure in order to reach the maximum prediction performance.
Contact Us
Kozyatagi Mah Gulbahar Sok Perdemsac Plaza No:17/45
Kadikoy/ Istanbul TURKEY
Tel: +90 212 988 1918
info@crede.com.tr

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Our Work
We worked with Crede for “high potential sales lead generation”. By the sales leads that Crede generated, our sales conversion rates increased by 10 times which contributed to Kariyer.net’s growth and sales efficiency in a positive way.

‎Zeynep Oran Cakiroglu - Kariyer.net Customer Management Director
Our references are availiable upon request. Email: info@crede.com.tr
Customer & Product Propensity
Crede provides industry or business function focused analytical services. We aim to provide full-spectrum service beyond analytical modeling: We participate in the implementation of models and engage in periodical or in-campaign follow-up tuning.
We are capable of not only developing predictive models but also delivering end-to-end solutions for clients. Project phases we can get involved in include:
  • Business value definition
  • Data preparation
  • Statistical analysis
  • Conclusive reporting, Business Intelligence interphase and dashboard preparation
A typical project deliverable is a list of customers with potential to buy a given product. Through the customer lists generated by propensity models, sales conversion rates can be increased by up to 10 times.
Sales & Lead Pipeline Optimization
During the last two decades, most of the competition have transformed their marketing and sales function from a market research / budget / communicate model to a sales conversion - CRM model. Current market leaders organize their sales function around lead generation. Both new and existing customers require an evaluation based on how promising the future relationship will be. Data development, enrichment and state of the art analytics are key parts of the solution. We provide the full spectrum of microtargeting services and can complement your data existing customer data, or alternatively provide fresh leads through a proprietary database that provides leads to you based on potential customers’ propensity to buy your services.
Crede optimizes the sales processes where there is a direct contact with the customer. We find ways to get the most out of your sales efforts by analyzing existing sales channels and proposing new channels if possible. We support our optimization efforts by building the right potential customer lead generation systems in order to foster the long term success of our projects.
A typical project includes:
  • Channel analysis
  • Lead generation
  • Data enrichment (if necessary)
  • Best sales segment mix recommendations
  • Conclusive reporting
Project delivarebles are the optimum distribution of channel activities and systems that generate continuous high quality leads.
Enhancing Customer Lifetime
Crede generates analytical churn prediction models that rank customers by their likeliness to leave the company meaning “churn”. A churn prediction model predicts customers who are likely to churn in the near future and the model owner can take preemptive actions.
Typical project phases are:
  • Churn definition (for non-subscription based businesses)
  • Derived variable preparation
  • Data mining iterations
  • Actions development
  • Performance management & Retention Model Presentation
Project deliverable includes data mining model, key performance measures, churn segments and recommended actions for these segments.
Crede also provides outsourced analytical hosting for segmentation and churn services.
Collections Optimization
Crede develops comprehensive collections action in order its clients to improve receivable collections efficiency. Like all resources, collections resources are limited. Having optimized the collections process means that our clients know who to call up and are able to identify the self-payer and non-payer customers from their very first day of delinquency. Therefore, energy can be directed to where it is worthwhile to spend effort.
A typical project includes the following phases:
  • Analysis of existing collections tools and actions
  • Development of collections decision tree
  • Actions development
  • A/B testing
Project deliverables are a collections decision tree and actions for the optimum cost-benefit results.
Customer Segmentation
Crede tailors a customer segmentation based on the client’s strategy. Typical segmentation scenarios optimize actions in order to prioritize results for different goals such as x-sell, customer value maximization, introduce new products based on life style or payment behavior, tailor solution to a risk profile… Our segmentation models help our clients to understand their customers better and create customer action programs.
A typical project consists of the following phases:
  • Segmentation strategy
  • Data preparation
  • Data mining and cluster grouping
  • Business touch: Segment profiling
  • Segment action programs
Results of the projects are algorithms to segment customers, segment profiles and an action plan for each segment.
Customer Risk Assessment & Management
Comprehensive assessment of receivables is a must for any monthly service contract. Whether you are underwriting a credit agreement or assessing subscriptions with overdue payments, diligence in risk assessment is a primary driver of profitability, frequently eating up a significant portion of your profit margin.
Assessment of credibility can happen at the origination of contract relationship, during the contract relationship, or eventuality when a debt is terminated - in order to estimate further collectibles via legal action.
Crede leverages the best practices of the financial industry that has a deep knowledge of the receivables markets and develops analytical models that can predict whether a customer will be delinquent in payments or default in the future. A risk scorecard helps a company to rank its customers by risk, predict a future loss and take preemptive actions.
A typical project phases are:
  • Risk definition
  • Data collections and derived variable preparation
  • Scorecard iterations
  • Model performance management & Risk prediction model presentation
Typical project deliverables are scorecards, associated algorithms and key performance indicators.
Transforming Business Analytics & Big Data
Business Intelligence and predictive analytics are typically functions that require the technical skills of the IT department but are best utilized within a business function. This makes a departmental analytics function difficult to build up, since such talent is very high in demand but short in supply. Even If you have the right talent, coordinating analytics across marketing, sales operations and IT is a huge task. Getting the real value out of the analytical process requires careful thought on how to coordinate the departments and processes.
Crede’s extensive expertise in setting up the analytical function in a wide variety of industries and locations enables companies to utilize the true value of BI and analytics. You can choose from a wide variety of options such as embedding our workforce into your company on a long term, outsource difficult specialized analytical functions to us or receive direct training and handholding on key projects to ensure success.
Crede takes over customer level business data management of value focused companies. Data management services are long-term service outsourcing engagements rather than projects.
A typical engagement includes:
  • Data migration
  • Data analysis
  • Business strategy alignment
  • Customer propensity models development
  • Customer retention models development
  • Marketing automation
Engagement covers all business level data management needs meaning marketing departments can focus on the strategy and how while Crede provides who to target and when.
Customer Lifetime Value Analysis
In the battle for customers, the least expensive way to increase your revenue is usually to deepen the relationship of your existing customers. Companies that are smart about customer value usually favor predictive analytics instead of analyzing the past profitability of a given customer. Most companies are able to calculate past customer profitability. Market leaders focus on customer lifetime value by using predictive analytics to determine future revenue streams.
Focusing on the key metric of customer lifetime value drives all analytic activities: Segmentation, loyalty schemes, churn models and cross-sell offers. Customer retention (churn prevention) actions focus on how the customer relationship will contribute to the company, instead of simply comparing cost of acquisition to cost of retention.
Crede provides industry-specific models for customer lifetime value. Models are adapted to fast-changing conditions of emerging markets and tailored to the profitability models of a given project. The retention efforts are structured around our extensive experience in customer value, profitability and churn offer management.
Customer Lifetime Value “CLTV” predicts/measures the value of a prospect or existing customer. CLTV model helps our clients to answer questions such as:
  • How much money per customer should I spend for customer acquisition?
  • Which segments of customers are profitable in the long run?
  • How much should I spend for the loyalty program? What level of loyalty award per customer is appropriate?
CLTV management is a framework for the sum of all acquisition, x-sell, up-sell, retention and winback efforts in terms of cost and benefit. It requires a 360 degrees view and analysis of client data but delivers a comprehensive understanding and action plan for each individual customer.
Deliverable of the project is a monetary value that represents the total expected benefit from each customer.
Working With Us
Working with us means tackling challenging business questions and engaging in innovative analytics. We provide service for customers from many different industries and look for intelligence, analytical talent and industry knowledge.
If you wish to send us an application or have further questions, please contact us through recruiting@crede.com.tr

Software Developer:
  • Bachelor degree from a Computer Engineering or related department
  • Self-driven personality and project management skills
  • Good command of Java and SQL
  • Ability to manage Windows servers
  • High proficiency in English
  • Capability to develop own knowledge autonomously when required
       For detailed information please click here

Data Analyst:
  • An engineering or MIS degree
  • Good command of SQL and high level of skill in Excel
  • Work experience in financial services, telecommunications or management consulting industries is a plus
  • Willingness to engage with both technical and management consulting topics
  • High proficiency in English
  • Capability to develop own knowledge autonomously when required
  • A high level engagement and appearance conforming to business dress code in large client corporations

Consultant:
  • A high level of analytical problem-solving skill and capability to develop numerical approaches to management issues
  • A university degree and a minimum of 3 years of work experience in financial services, telecommunications or management consulting industries
  • Knowledge in SQL and high level of skill in Excel
  • Willingness to engage with both technical and management consulting topics
  • High proficiency in English
  • A high level engagement and appearance conforming to business dress code in large client corporations