Portfolio Management and Growth Strategies for Credit Unions

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Capitalize on New Opportunities and Retention Strategies to Maximize Growth

Evaluating your membership with predictive attributes can be key to redefining strategies in maximizing portfolio growth, retaining members and developing long lasting relationships.  Experian enables you to use a combination of your credit union’s data and trended data to allow you to focus on the most optimal members for each of your offers.

 

Situation

How can credit unions improve targeting, prescreening accuracy, timing, methods, and overall results?

Resolution

  • Segment your prospect list according to your unique credit criteria for higher responses with real-time prescreening using Prescreen
  • Premier AttributesSM enables credit unions to pinpoint specific member behavior easily, providing enhanced segmentation, policy rule development and improved lending decisions
  • Contact only the most responsive, creditworthy members with iScreenSM, a fast and easy-to-use comprehensive list fulfillment tool that helps you increase sales profitability and maximize your marketing dollars
 

 

 

Situation

How can credit unions target the right members accurately and quickly based on spending habits or credit worthiness, along with responsiveness, all while keeping cost at a minimum?

Resolution

  • Target high-spending members and accurately estimate a consumer’s spend using Experian TAPSSM
  • Contact only the most responsive, creditworthy members with  iScreenSM, a fast and easy-to-use comprehensive list fulfillment tool that helps you increase sales profitability and maximize your marketing dollars
  • 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
 

 

 

Situation

How can key indicators be set up to help credit unions better monitor members activities for growth potential or for risk trends and compare it to reliable external industry data?

Resolution

  • Monitor consumers performance and how their profiles are changing Credit Migration SolutionsSM
  • Access more than 220 million credit-active consumers to make informed customer acquisition decisions with Credit Profile Report
  • 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 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
  • Prime Performance Modeling helps formulate intelligent solutions to acquisition and retention by analyzing data to discover untapped markets, uncover hidden cross-sell opportunities, identify "at risk" members and predict future loyalty
 

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