Recent Assignments

PMA's most important objective is to help our clients improve the quality and profitability of their consumer and small business portfolios. As such, we will work closely with management to identify business opportunities and risks and craft analytic and management solutions that address those challenges. 


Identified profitable and unprofitable portfolio segments for major credit card issuer's under-performing portfolio and devised a detailed action plan to address each of the under-performing segments.

Credit Policy Development

Established and documented complete portfolio life cycle credit policy for large U.S. commercial lender.


Prepared segmented loan loss forecasts for national and regional mortgage, home-equity, auto loan/lease and bankcard businesses.

Credit Policy/Scoring

Assisted regional U.S. bank's launch of new bankcard business. Advised client on all aspects of introduction and developed initial credit policy and scoring system for new customers.

Account Retention/Program Tracking

Designed and tracked statistically sound, profit-oriented, retention management programs for major bankcard issuer.

Due Diligence

Assisted a major asset-backed lender with due diligence evaluation of a sub-prime consumer portfolio being considered for purchase.

Portfolio/Best Practices Review

Evaluated portfolio management policies and practices and their effect on business profitability at national and regional credit card issuers. Recommended changes which significantly increased portfolio profitability.

Management Review Process

Created and implemented a regular, disciplined, diagnostic management portfolio policy review process at major consumer lenders and telecommunications provider.

No Pre-set Limit Management

Developed an authorization strategy for a major U.S. bankcard lender to manage risk on a "No Pre-set" credit limit product.

Collection Strategy

Developed collection strategy that identifies the next most profitable action to maximize the net dollars collected.


Developed acquisition and behavioral scoring systems for bankcard, telecommunication, and collection agency businesses.

Credit Limit Management

Developed profit-maximizing credit limit assignment strategy for major U.S. revolving lender.

Credit Bureau Preference

Developed custom credit bureau preference table that identifies the most cost effective credit bureau to use in each geographic region for major credit card issuer.

Loan Modifications

Created specialized modification scoring system and strategy for home equity line and loan modification program.  Provided controlled test design consulting and outsourced program tracking and evaluation.

Outsourced MIS

Provided outsourced information management and portfolio tracking to major US and international lenders.  Our timely, consistent and comprehensive MIS was used as an on-going management tool.

Mortgage Underwriting/Risk Policy

Developed custom low-risk mortgage underwriting policy for boutique mortgage lender targeting a unique underserved market; provided on-going outsourced risk management to bank.