• Segmentation: 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.
• Forecasting: Prepared segmented loan loss forecasts for national and regional mortgage, home-equity, auto loan/lease and bankcard businesses.
• 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.
• 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.
• 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.
• Collection Strategy: Developed collection strategy that identifies the next most profitable action to maximize the net dollars collected.
• Scoring: 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.