In this episode of In the Tranches of Structured Finance, Vadim addresses follow-up questions from dv01’s recent consumer credit webinar and provides an updated view on consumer credit performance across key markets—focusing on what the data is actually signaling for investors. Key themes include: Late-2024 consumer unsecured vintages: Why early performance comparisons—especially across credit tiers—require nuance and patiencePrepayments and returns: How elevated prepayments are distorting de...
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In this episode of In the Tranches of Structured Finance, Vadim addresses follow-up questions from dv01’s recent consumer credit webinar and provides an updated view on consumer credit performance across key markets—focusing on what the data is actually signaling for investors. Key themes include: Late-2024 consumer unsecured vintages: Why early performance comparisons—especially across credit tiers—require nuance and patiencePrepayments and returns: How elevated prepayments are distorting de...
Decoding TransUnion Data: Credit Cards, Auto Loans, AEP & More
In The Tranches of Structured Finance
47 minutes
1 year ago
Decoding TransUnion Data: Credit Cards, Auto Loans, AEP & More
Vadim examines TransUnion data to discuss YoY trends in credit cards and auto loans. While subprime borrowers continue to drive overall DQ rates and credit card growth, regional analysis reveals significant weaker performance in certain states. In this episode, Vadim dives into a valuable metric, Average Excess Payment ("AEP"), which is an indicator of a consumer's ability to manage debt payment as it represents consumers who do not pay their credit card bills in full yet pay beyond the minim...
In The Tranches of Structured Finance
In this episode of In the Tranches of Structured Finance, Vadim addresses follow-up questions from dv01’s recent consumer credit webinar and provides an updated view on consumer credit performance across key markets—focusing on what the data is actually signaling for investors. Key themes include: Late-2024 consumer unsecured vintages: Why early performance comparisons—especially across credit tiers—require nuance and patiencePrepayments and returns: How elevated prepayments are distorting de...
