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.
- 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.
- 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.
- Forecasting: Prepared
segmented loan loss forecast for regional and national
auto loan/lease and bankcard businesses.
- 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.
- 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.
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