Portfolio & Asset Evaluation
- Evaluation of Portfolio Levers
- M&A and RFP Evaluations
- Regulatory Analytics and Model Governance
Evaluation of Portfolio Levers
- Payment Option vs. Tender Choice
- Valuation of Assets to determine Sell vs. Hold
- Composition of overall portfolio with projections on Go-forward performance
- Industry and Competitor trends to evaluate market positioning of Value Proposition
M&A and RFP Evaluations
- Determine negotiable leverage points with potential payment portfolio RFP’s or Acquisitions in order to increase profit margins and generate higher sales revenue
- Three types of Card Portfolio Programs and we can help assess where you fit:
- Net Income & Guaranteed Returns
- Sharing on Net Credit Margin
- Performance Based Economics
- Profitable deal structures within this spectrum vary based on each customer’s level of risk (stable returns) and upside probability (driver based) and have their own Risk/Reward ratio
- RCA can improve current contract sharing structure and assist in initial program agreement for start-up PLCC programs
Regulatory Analytics and Model Governance
- Expected Credit Loss (ECL)
Loss provisioning calculations in order to comply with International Financial Reporting Standards Foundation (IFRS) guidelines
- Unexpected Loss Estimation Model
Capital adequacy modeling developed in accordance with the Basel framework
- Comprehensive Capital Analysis and Review (CCAR)
Scenario based macro-economic impact analysis as presented to the Federal Reserve
- Model Governance
Development of Model Registration Framework, Validation, and Ongoing Evaluation
Other Services
Customer Analytics and AI Solutions
Vintage level customer segmentation analysis to determine brand loyalty and in-depth customer profiles and spend by channel
Marketing Analytics and Budget Optimization
Use statistical methods such as Media Mix Modeling (MMM) to analyze the impact of various marketing activities
