Company History

Founded in 1983, our company is at the forefront of credit policy formulation and profit based analytics, helping lenders improve their portfolio profitability.”

Portfolio Management Associates is a leading credit management consulting firm that provides risk management and analytic services to several industries including: Consumer FinanceSmall Business FinanceCollectionsTelecommunications, and Insurance. Founded in 1983, our company is at the forefront of credit policy formulation and profit based analytics, helping lenders improve their portfolio profitability.

The principals of the firm each have over 30 years experience managing consumer credit, identifying clients' needs and focusing effective solutions.

Who are our Clients?

Our clients are diverse and include the largest and most sophisticated consumer and small-business lenders in the United States as well as small startup entrepreneurial businesses. The nature of our assignments is both strategic and tactical covering a wide range of products. Our international practice is smaller but has included projects in Europe, Latin America and Asia.

Why choose PMA?

We approach our assignments with the understanding that each organization, product and market offers unique opportunities and risks. As such, we do not offer "off-the-shelf" solutions, rather we tailor solutions to match particular situations. Our consulting assignments are quite varied. Some require qualitative assessment and interpretation but most involve transforming detailed "raw" data about customer behavior into decision strategies and tools to improve profitability. Our goal is to leverage the value of our client's actual experience to generate real profit improvement, while being mindful of the practical business issues that can affect execution. To complement our work approach, we have built a company of team-oriented professionals from diverse academic and cultural backgrounds who are focused on the success and satisfaction of our clients.