Credit Lending

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Risk reward – The challenge of market entry timing, Pa...

I’ve recently been hearing a lot about how bankcard lenders are reacting to changes in legislation, and recent statistics clearly show that lenders have...

Read More Risk reward – The challenge of market entry timing, Part 1
Unused credit capacity – a shift opportunity to ...

In a recent presentation conducted by The Tower Group, “2010 Top 10 Business Drivers, Strategic Responses, and IT Initiatives in Bank Cards,” the conversation...

Read More Unused credit capacity – a shift opportunity to vulnerability
Does mortgage strategic default really exist? Part 3...

In my previous two blogs, I introduced the definition of strategic default and compared and contrasted the population to other types of consumers with...

Read More Does mortgage strategic default really exist? Part 3
Shrinking consumer credit – are all consumers created ...

A recent New York Times (1) article outlined the latest release of credit borrowing by the Federal Reserve, indicating that American’s borrowed less for the ninth-straight month...

Read More Shrinking consumer credit – are all consumers created equal?
Does mortgage strategic default really exist? Part 2...

In my last blog, I discussed the presence of strategic defaulters and outlined the definitions used to identify these consumers, as well as other...

Read More Does mortgage strategic default really exist? Part 2
Regulators and risk-based pricing...

By: Amanda Roth During the past few months, we have been hearing from our clients that there is a renewed focus from the regulators/examiners...

Read More Regulators and risk-based pricing
Regional difference can make the difference...

For the past couple years, the deterioration of the real estate market and the economy as a whole has been widely reported as a...

Read More Regional difference can make the difference
Apply optimization to comply with the Credit Card Act...

By: Wendy Greenawalt Optimization has become a “buzz word” in the financial services marketplace, but some organizations still fail to realize all the possible business...

Read More Apply optimization to comply with the Credit Card Act
Using maturation curves in early lifecycle treatment s...

In my last blog, I discussed the basic concept of a maturation curve, as illustrated below: Exhibit 1 In Exhibit 1, we examine different...

Read More Using maturation curves in early lifecycle treatment strategy, Part 2
RORAC vs. RAROC?...

By: Tom Hannagan Understanding RORAC and RAROC I was hoping someone would ask about these risk management terms…and someone did. The obvious answer is...

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The value of good decisions and the cost of bad decisi...

The value of a good decision can generate $150 or more in customer net present value, while the cost of a bad decision can...

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Underserved market...

By: Kari Michel Most lenders use a credit scoring model in their decision process for opening new accounts; however, between 35 and 50 million...

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Vintage Analysis Recent Findings | The Risk within the...

Recent findings on vintage analysis Source: Experian-Oliver Wyman Market Intelligence Reports Analyzing recent vintage analysis provides insights gleaned from cursory review Analyzing recent trends...

Read More Vintage Analysis Recent Findings | The Risk within the Risk
Dispelling credit attribute myths, Part 3...

By: Wendy Greenawalt In the last installment of my three part series dispelling credit attribute myths, we’ll discuss the myth that the lift achieved...

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Dispelling credit attribute myths, Part 2...

By: Wendy Greenawalt In the second installment of my three part series, dispelling credit attribute myths, we will discuss why attributes with similar descriptions...

Read More Dispelling credit attribute myths, Part 2