Advisory Services for
Retailers, Banks, and Fintechs

Retail Credit Advisors provides expert advice to organizations, helping them address challenges and make informed decisions. We offer tailored solutions that align with specific organizational goals and needs, enhancing overall effectiveness. Our team possesses specialized knowledge and insights that can improve decision-making processes and operational efficiency.

Our Advisory Services and Strategies for Success

Retailers

Understanding consumer behavior helps retailers predict trends and adapt quickly.

Banks

Grow customer deposits and loan balances through effective cross-sell strategies while adhering to numerous regulations and risk guidelines.

Fintechs

The changing digital landscape is forcing fintech companies to optimize lead funnels and acquisition strategy in order to maintain aggressive growth metrics at healthy ROIs.

Managed Credit Portfolio P&L’s

$ 0 B+

Incremental Sales Delivered via Analytics

$ 200 M+

Years of Experience

10 +

Case Study

Our Case Studies

Our case studies explore various scenarios focusing on Customer Segmentation, M&A Evaluation, BNPL Research, and Risk Analytics.

Leading Retailer:

Next Gen Customer Segmentation of Credit Card Portfolio

High End Apparel Retailer:

Comprehensive Review of Buy Now Pay Later (BNPL) Credit Providers

Our Happy Clients

Join With Companies That Trust Us

“There are very few experts like RCA that truly get all aspects of the Co-brand/ PLCC equation; Merchants + Issuers + Consumers + Networks. This is critical for decision-making in today's competitive cobrand and commerce landscape.”

BANYAN EVP, Partnerships

"Wale & Phil’s deep experience telling a compelling story is what makes them unique. Extreme analytics capability and craftsman ability and very precise in their recommendations. We are extremely happy with the work they have done bringing our story to life. We will engage them again and recommend them very strongly!"

Vivaha CEO

"Retail Credit Advisors (RCA) has been an instrumental partner in building the foundation of the data science team at EQ Bank. Their support has gone far beyond just staffing — they’ve been a strategic collaborator in delivering high-impact projects that have accelerated our journey toward advanced analytics maturity. One standout achievement has been the development of a proprietary data science product, including our Media Mix Modelling tool. This solution empowers our marketing leaders to optimize spend effectively, resulting in a measurable 10% lift in growth. RCA's unique blend of deep financial services knowledge and decision science expertise has also elevated our internal thought leadership, helping us make smarter, data-driven decisions across the organization.”

EQ BANK Assoc. Director

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Advisory Services for Retailers, Banks, and Fintechs