The Housing Bank of Norway works continually with statistics, reviews, evaluations and knowledge development. A central part of further knowledge development is the need for increased insight and knowledge on target groups (customer segments), as well as the loan and grant schemes' goal achievement on an individual level.

The aim of the assignment is enable the Housing Bank of Norway to follow customers over time, with particular searchlight on developments in the housing situation. In addition, the Housing Bank of Norway can carry out ongoing and systematic analyses of existing customers, those (segments) who have major challenges in the housing market, and those who are at risk of having difficulties in the housing market. This will, amongst other things, involve the implementation of new requirements, processes and routines for the collection and comparison of data.

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The Housing Bank of Norway aims to be better in using data for analysis and knowledge development. Some of the areas we see a need to focus on are:

— going from being focussed on a case to being focussed on the customer;

— better flow of data and information in the Housing Bank of Norway;

— increased quality of data;

— connecting data across systems;

— connecting external and internal data;

— efficient comparison, analysis and presentation of data and insight.

The assignment will also contribute to the development and implementation of a framework and method that gives continual, systematic insight and knowledge on:

— target groups (customer segments);

— the house's qualities and properties;

— a total overview of loss on loans of start loans in the municipalities;

— the loan and grant schemes' goal achievement (on an individual/household/house level).

The assignment consists of 3 parts:

1) Information management, adaption and optimisation of data;

2) Calculation model for risk of loss on loans;

3) Practical implementation of life-cycle analyses.

Lot 1 covers the entire portfolio of loan and grant schemes. Lots 2 and 3 covers two of the personal schemes:

— the start loan scheme, (further information on start loans here);

— the housing support grant scheme, (further information on housing support here).

See annex 1 of the contract for the complete assignment description.