Deliver real time offers catered to your member's profile

through mobile, web, phone, and branch.

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Grow Your Loan Portfolio

Create growth strategies based on a deep knowledge of your members' financial needs and behaviors to minimize risk and increase retention.

 

Gain insight into member behavior

Problem:

How can you segment and target members with products that resonate with their needs and spending habits?

Resolution

  • Segment your prospect list according to your unique credit criteria for higher responses with real-time prescreening using Prescreen
  • Pinpoint specific member behavior easily, providing enhanced segmentation, policy rule development and improved lending decisions with Premier AttributesSM
  • Make the most appropriate offers to members and prospects at precisely the right time, and gain insight into credit-card usage patterns with Trend ViewSM from Experian
  • Monitor your portfolio’s overall condition and take action with QuestSM, a robust tool that uses numerous credit attributes and scores from statistically based risk models and targeted segmentation tools
  • Get a holistic, month-end snapshot into your portfolio’s health and market position. Portfolio Health Check­SM provides a dashboard that shows how your members are performing both with you and with other financial institutions.
 

 

 

Retain valuable members by knowing their spend with competitors' cards

Problem:

How can you identify members who are using cards with other financial institutions in order to grow your loan portfolio by offering the right APR, line of credit and rewards programs for each member?

Resolution

  • Target high-spending members using Experian TAPSSM
  • Prime Performance ModelingSM helps formulate intelligent services for acquisition and retention by analyzing data to discover untapped markets, uncover hidden cross-sell opportunities, identify "at risk" members and predict future loyalty
 
 

Make the right offers at the right time

Problem:

How can you identify and make timely offers to creditworthy members while deepening relationships with members who don’t qualify?

Resolution

  • Identify in-the-market opportunities as they occur and make firm offers to expand relationships with existing members while identifying potential credit issues with Risk and Retention TriggersSM
  • Make informed customer-acquisition decisions with Credit Profile Report, which provides access to more than 220 million credit-active consumers
  • Determine the ideal credit-tier breaks and interest rates using risk-based pricing
  • Monitor consumers’ performance and how their profiles are changing with Credit Migration SolutionsSM
  • Segment your prospect list according to your unique credit criteria for higher responses with real-time prescreening using Prescreen
  • Determine the ideal credit-tier breaks and interest rates using Risk-based Pricing
 

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