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Work / Tesco

Grocery retail & financial services Data Commercialisation

Tesco

Built Tesco's new financial-services revenue line from zero to $63m in a year — acquiring 10,000 customers at under $6 each by marketing to the 12m-strong Clubcard base.

The challenge

Tesco held the richest customer database in retail — 12m Clubcard members — and wanted it to do three things at once: open new revenue lines, deepen loyalty across the base, and defend market share against aggressive competitor store expansion.

What we did

Ran multi-objective credit targeting — mid-credit-score customers in high-revolver neighbourhoods, test-and-learn to optimise simultaneously for response, profitability and underwriting approval. Personalised at 12m scale, segmenting by lifestyle, lifestage and recency-frequency-value with fraud controls. Used GIS drive-time and customer-value modelling to retain high-value shoppers in contested neighbourhoods.

The outcome

  • Financial Services launch: new revenue line $0 → $63m in 12 months; 10,000 customers acquired at under $6 each
  • Clubcard statement: 12m statements personalised, $126m+ in reward vouchers distributed at national scale
  • GIS store defence: 50% of at-risk revenue protected across 50 towns where competitors opened stores

More work

Grocery retail

Carrefour

Designed Carrefour Singapore's loyalty programme to cost less than cash rewards — then turned its data into a supplier-funded promotions engine that lifted incremental sales 2% and halved joint-promotion costs.

 Financial services — corporate cards

Global Card Issuer

Protected $5m+ a month in fees at a global card issuer by saving 35% of at-risk corporate accounts — and reactivating 2,500 dormant cardholders the business had written off.