Consumer services
Experian lets people check their credit reports, track their credit scores, and use tools that help them understand and manage their personal credit profile.
Customers and revenue model
Experian PLC
XMUN:J2B
Experian PLC
XMUN:J2B
Price:
36.8
EUR
2.22%
Market Closed
Market Cap:
€33.6B
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Company Overview
Business Description
- Sector
- Industrials
- Industry
- Professional Services
- Headquarters
- Ireland IE
- Employees
- 25 200
- IPO date
- Oct 11, 2006
Experian is a credit reporting and data company. It collects and organizes consumer and business credit information, then sells access to that data, credit scores, fraud checks, identity verification, and decisioning tools that help other companies judge risk and make lending decisions. It also offers consumers ways to check their own credit files and protect themselves from identity theft.
Its main customers are banks, credit card issuers, auto lenders, insurers, telecom companies, and retailers, plus consumers who want to monitor their credit. Experian makes money by charging for subscriptions, data access, analytics, and software services that are built into customers’ lending, marketing, and fraud-control systems. In practice, it sits in the middle of the credit economy, helping lenders decide who to lend to and on what terms.
What makes the business model distinctive is that Experian owns and packages information that many financial firms need every day but do not want to collect themselves. The company’s value comes from maintaining large credit files, combining them with analytics, and turning them into tools customers can use quickly inside their own processes. That makes it both a data utility and a software-and-services provider for the credit market.
Management
1 / 10
Mr. Brian J. Cassin
CEO & Executive Director
Brian J. Cassin is a prominent business executive known for his role as the Chief Executive Officer of Experian PLC, a leading global information services company. Cassin joined Experian in 2006 as Director of Corporate Finance and was appointed CFO in 2012, where he played a key role in the company's strategic financial initiatives. In 2014, he was named CEO, where he has since focused on driving growth, innovation, and digital transformation within the company.
Under his leadership, Experian has expanded its services, leveraging data to provide innovative solutions for businesses and consumers worldwide. Cassin's strategic vision has been instrumental in advancing Experian's position in areas such as credit services, decision analytics, and marketing services. He is known for his expertise in financial management and strategic planning, which has been crucial in navigating the evolving landscape of the data and analytics industry.
Under his leadership, Experian has expanded its services, leveraging data to provide innovative solutions for businesses and consumers worldwide. Cassin's strategic vision has been instrumental in advancing Experian's position in areas such as credit services, decision analytics, and marketing services. He is known for his expertise in financial management and strategic planning, which has been crucial in navigating the evolving landscape of the data and analytics industry.
Mr. Lloyd Mark Pitchford
CFO & Executive Director
Lloyd Mark Pitchford is a prominent executive at Experian PLC, a global leader in consumer and business credit reporting and marketing services. He serves as the Chief Financial Officer (CFO) of the company, a role he has held since October 2014. In his capacity as CFO, Pitchford is responsible for overseeing Experian’s financial operations, including financial planning and analysis, tax, treasury, and financial reporting.
Pitchford's career is distinguished by extensive experience in financial management and leadership roles across various industries. Prior to joining Experian, he served as Group Chief Financial Officer at Intertek Group plc, a multinational inspection, product testing, and certification company, where he contributed significantly to the company's financial strategy and operations.
Before his tenure at Intertek, Pitchford held several senior finance positions at BG Group plc, a leading energy company. His assignments at BG Group included roles in corporate finance, financial planning, and mergers and acquisitions.
Lloyd Pitchford is a Chartered Accountant. He is known for his strategic insight and his role in driving financial performance and shareholder value. His leadership at Experian continues to be instrumental in navigating the company through various financial challenges and opportunities, helping it maintain its position as a leader in its industry.
Pitchford's career is distinguished by extensive experience in financial management and leadership roles across various industries. Prior to joining Experian, he served as Group Chief Financial Officer at Intertek Group plc, a multinational inspection, product testing, and certification company, where he contributed significantly to the company's financial strategy and operations.
Before his tenure at Intertek, Pitchford held several senior finance positions at BG Group plc, a leading energy company. His assignments at BG Group included roles in corporate finance, financial planning, and mergers and acquisitions.
Lloyd Pitchford is a Chartered Accountant. He is known for his strategic insight and his role in driving financial performance and shareholder value. His leadership at Experian continues to be instrumental in navigating the company through various financial challenges and opportunities, helping it maintain its position as a leader in its industry.
Mr. Rick C. Gallagher
Chief Investment Officer and Director of Global Strategy & Development
As of October 2023, Mr. Rick C. Gallagher is a notable executive at Experian PLC, serving as the Executive Vice President of Integrated Marketing for North America. In this role, he is responsible for pioneering strategic marketing initiatives and developing integrated marketing campaigns that align with Experian's business objectives. His leadership focuses on enhancing customer engagement and driving growth across various channels. With a strong background in data-driven marketing and extensive experience in managing high-performing teams, Rick plays a key role in advancing Experian’s market position in the competitive landscape of consumer credit reporting and analytics.
Ms. Nadia Ridout-Jamieson Ph.D.
Chief Communications Officer
Dr. Nadia Ridout-Jamieson is a notable executive at Experian PLC, a global leader in information services. She holds a Ph.D. and has a strong background in the financial services and data analytics sectors. At Experian, she has served in various leadership positions, contributing significantly to the company's strategic initiatives and growth efforts. Her work often focuses on leveraging data to drive innovation and improve consumer and business solutions. Dr. Ridout-Jamieson is recognized for her expertise in data management and her ability to lead teams in developing cutting-edge technologies that address client needs. Her professional journey includes numerous achievements that underscore her impact on the industry.
Ms. Jacqueline Simmonds
Chief People Officer
Jacqueline Simmonds is a notable executive at Experian PLC, where she holds the position of Chief Human Resources Officer (CHRO). With a wealth of experience in human resources management, she is responsible for leading Experian's global HR strategy, which includes talent acquisition, employee development, diversity and inclusion, and organizational culture.
Her leadership in HR focuses on fostering an environment that supports innovation and growth, ensuring that Experian remains competitive and an employer of choice in the financial services sector. Jacqueline's approach is characterized by her commitment to aligning the HR strategy with the company's overall business goals, promoting a strong culture of performance, and nurturing a diverse workforce.
Throughout her career, Jacqueline Simmonds has been recognized for her ability to drive transformation and succeed in complex, multinational environments. Her strategic vision and operational expertise contribute significantly to Experian's success as a leader in the information services industry.
Her leadership in HR focuses on fostering an environment that supports innovation and growth, ensuring that Experian remains competitive and an employer of choice in the financial services sector. Jacqueline's approach is characterized by her commitment to aligning the HR strategy with the company's overall business goals, promoting a strong culture of performance, and nurturing a diverse workforce.
Throughout her career, Jacqueline Simmonds has been recognized for her ability to drive transformation and succeed in complex, multinational environments. Her strategic vision and operational expertise contribute significantly to Experian's success as a leader in the information services industry.
Ms. Laura DeSoto
Senior Vice President of Marketing - Business Information Services
Laura DeSoto is a prominent executive with a distinguished career at Experian PLC, one of the world's leading global information services companies. She has held several key leadership positions within the organization.
As of her latest role, Laura DeSoto served as President of Experian’s Consumer Information Services, where she oversaw the development and execution of strategies that enhance consumer services and business operations across North America. She played a crucial role in driving growth and innovation within her division, focusing on delivering valuable financial insights and products to consumers.
Prior to this role, DeSoto held various senior positions within Experian, contributing to her deep understanding of the business and its markets. Her leadership style is marked by a strong focus on customer-centric strategies, innovation, and operational excellence.
Laura DeSoto’s career reflects her expertise in information technology, strategic planning, and business development. Her contribution to Experian has been vital in maintaining the company's strong market position and in expanding its reach to benefit consumers and businesses alike. Her work emphasizes enhancing credit reporting and financial services, ensuring that they meet the evolving needs of the modern economic landscape.
As of her latest role, Laura DeSoto served as President of Experian’s Consumer Information Services, where she oversaw the development and execution of strategies that enhance consumer services and business operations across North America. She played a crucial role in driving growth and innovation within her division, focusing on delivering valuable financial insights and products to consumers.
Prior to this role, DeSoto held various senior positions within Experian, contributing to her deep understanding of the business and its markets. Her leadership style is marked by a strong focus on customer-centric strategies, innovation, and operational excellence.
Laura DeSoto’s career reflects her expertise in information technology, strategic planning, and business development. Her contribution to Experian has been vital in maintaining the company's strong market position and in expanding its reach to benefit consumers and businesses alike. Her work emphasizes enhancing credit reporting and financial services, ensuring that they meet the evolving needs of the modern economic landscape.
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