Get documents about "business credit card with reward
Document Sample
Closed Loop. Clear Vision Business Analytics
Reveleus Credit Cards Analytics
Highlights Comprehensive Solution for the Credit Cards Business
• Provides a comprehensive list of Reveleus Credit Cards Solution provides a comprehensive view of your
credit card industry metrics that cardholder portfolio using aggregate performance indicators. It cuts across all
report key leading, coincident and functions of the credit cycle.
lagging indicators of the portfolio
• Computes cardholder profitability
Rich Set of Industry Metrics
and enables evaluation of profit The solution provides a full set of business dimensions and performance metrics
dynamics of each card product designed for the Credit Cards business along with pre-defined reports, baseline
analyses, key performance indicators, and event alerts.
• Detect patterns of card usage that
suggest fraudulent use
Portfolio Management
• Provides “net flow” delinquency
In the high volume driven Credit Cards business, synergies between the various
data and collector performance
functions of the business is essential to developing lasting relationships with the
trends that can be used for capacity
cardholders and managing the portfolio. Analytics is the key to both customer
planning
relationship management and portfolio management. Reveleus Credit Cards
• Integrates with Reveleus’ CRM Analytics enables you to monitor and action on issues critical to the Credit Cards
Analytics for better perspective on, business.
and value of customer relationship
Unifying Risk and Reward
• Provides metrics on the Acquirer
functions of sales draft processing, With increasing global competition and pace of change, the critical
disbursements, merchant charge differentiation between Credit Cards businesses would be the management of risk
backs and sales draft retrieval and reward.
requests
Credit Risk is inherent to unsecured lending and the management of
delinquencies and collection activities is vital to any Credit Cards Business.
The reward for the risks undertaken in the form of profits from cardholder
portfolio depends on cardholder behavior like revolve and spend and portfolio
growth.
Business Analytics
• CRM Analytics
• Channel Analytics
Reveleus Credit Cards Analytics helps you identify the profitable opportunities in
• Corporate Credit Risk Analytics your cardholder portfolio, while controlling for the risks.
• Retail Credit Risk Analytics
• Customer Profitability
• Asset Liability Management
Card Usage
• Funds Transfer Pricing
• Enterprise Financial Performance
Useful insights on cardholder behavior can be derived from card usage
• Basel II Solution patterns. The trends thus determined can be used to drive customer relationship
• Operational Risk management at touch points, induce spending by cardholders, and enable
• Mortgage Analytics detection of patterns that suggest fraudulent use.
• Credit Cards Analytics
Closed Loop. Clear Vision Business Analytics
Reveleus Credit Cards Analytics
Advantages you manage your cardholder portfolio. The application
provides insights through analytics covering the all the
functions involved in managing a Credit Cards business
Reveleus Credit Cards Analytics’ powerful analysis tools
enable users to “slice and dice” customer data, develop Reveleus Credit Cards Analytics provides the key to
strategies for credit policy, evaluate credit risk of the managing your business functions by ensuring synergies
customers and monitor delinquencies on the portfolio between the analytics that provide quick actionable response
continuously. Reveleus Credit Cards Analytics helps you to business situations like setting and monitoring credit
understand critical issues like: policy, enhancing credit limits to valuable customers,
differential treatment to profitable cardholders and
• The characteristics that typify the most and least mitigating credit portfolio losses.
profitable credit cards customers.
• Behavioral characteristics of the credit cards customers.
• The identification of sub-segments based on portfolio
metrics like utilization levels, cardholder activity and
revolving indicators.
• Indicators to flag accounts suspected of fraud based on
transactional behavior and account performance
• The efficiency of credit, authorization and collection
centers and the productivity of people manning the
respective contact centers
• Profile of customers who are being acquired and the
demographic features that distinguish “good” from
“bad” customers
Covers the Entire Cardholder Life Cycle
• Performance of credit policy strategies on authorizations
and credit limit management The stages in the cardholder life cycle drive the Reveleus
Credit Cards Analytics application.
The stages in the cardholder life cycle are – Acquisition
of new cardholders, Managing cardholder portfolio and
Collections and Recovery Management.
The Reveleus Credit Cards Analytics application enables you
to track the performance of the cardholder from the time of
acquisition to the time of default and recovery.
Reveleus Credit Cards Analytics integrates your insights
regarding the performance of each stage of the cardholder
life cycle with action points that can be used to drive
strategy development and execution.
Actionable Insights from Analytics
Reveleus Credit Cards Analytics’ flexible design lets you
constantly refine and extend the ways in which
Closed Loop. Clear Vision Business Analytics
Reveleus Credit Cards Analytics
Key Features and Capabilities
Portfolio Management
• Rank and segment customers by profitability
• Tracking portfolio health in terms of key performance
indicators like delinquency (co-incidental & lagged),
utilization and balances
• Analyze customer segments by behavioral characteristics
like revolving behavior and cardholder activity
• Identify segments for campaigns based on cardholder • Analyze customer transactions to manage credit risk and
spending and payment patterns costs of maintaining credit centers
• Evaluate scorecards used in credit decisioning to • Provide an impetus to portfolio growth using indicators
mitigate credit exposure and losses such as purchase category, region of purchase, purchase
frequency and amount of purchase
• Assess the effective of credit policy governing credit limit
enhancements.
Collections and Recovery
• Determine the trends in delinquencies across portfolio
segments
• Indicators for early detection of possible cardholder
default
• Establish characteristics of fraudulent cardholders to • Compare leading and lagged delinquency rates by
enable proactive control fraud losses cardholder vintage
• Track portfolio losses by category and identify risky • Assess portfolio health based on historical delinquency
customer segments metrics and customer performance
• Report on efficiency and productivity of collection and
Customer Acquisition Analytics
recovery agents
• Correlate new business with product offerings, sourcing
channels, and demographic profiles
Acquirer Functions
• Attribute new business results to credit policy
parameters • Understand merchant acquisition business and set up
policy for acquisition
• Identify the measures of efficiency of the credit approval
process and factors causing bottlenecks • Evaluate credit risk profile of merchants to be acquired
• Assess process efficiency related to sales draft processing
Credit Policy and merchant disbursements
• Attribute customer purchase patterns to credit policy • Analyze the merchant charge back process
• Monitor merchant performance
Closed Loop. Clear Vision Business Analytics
Reveleus Credit Cards Analytics
Reveleus Family of Financial Solutions About Reveleus
Reveleus is a global provider of analytical
Enterprise Enterprise applications for the financial services
Risk Management Financial Performance industry. Reveleus Business Analytics
Treasury Management Reporting deliver profitable customer acquisition and
Funds Transfer Pricing Product Profitability
Asset Liability Management Organizational Profitability retention strategies, timely and focused
Market Risk Analysis Customer Profitability answers for risk management and the
Credit
Finance
insight to manage enterprise performance.
Retail Credit Risk Analysis
Corporate Credit Risk Analysis Funds Transfer Pricing Reveleus has customers across the USA,
Operational Risk Budgeting and Forecasting
GL Consolidation
Canada, Europe, Asia, and Africa.
Operational Risk
Compliance Reveleus is a business of i-flex solutions.
Basel II Solution i-flex delivers advanced IT solutions to more
Customer Insight Specialized Analytics than 790 financial institutions in over 130
Marketing Credit Cards countries worldwide and employs more
Customer Segmentation
Mortgage
than 11,000 professionals around the globe.
Cross sell Upsell
Attrition Management
Campaign Effectiveness
For more information about Reveleus’
Channel Effectiveness products and services, visit our website
Customer Profitability
at www.reveleus.com or e-mail us at
iflexinfo@reveleus.com.
Reveleus’ Credit Cards Analytics is a fully integrated part of the Reveleus’ Headquarters
family of Business Analytics that share a consistent view of data.
399 Thornall Street, 6th Floor
The Reveleus Credit Cards Analytics also works on the same infrastructure Edison, NJ 08837
that is sued in the other eleven analytical applications making it a logical Tel: +1-646-619 5000
extension on a shared technology infrastructure and organization wide Fax: +1-732-321 4066
definitions.
Leveraged reuse of valuable data resources across the entire Reveleus family
of Business Analytics is simple, fast, and reliable because they share a common
metadata foundation.
Superior Business Value Based on Superior Technology
The inherent flexibility and robustness of Reveleus’ Credit Cards Analytics is
due to its advanced data management framework that eliminates the need for
expensive custom programming and time-consuming application maintenance.
Reveleus’ open architecture allows users to extend each business solution
by adding new dimensions, data groupings, and performance measures. This
extensibility allows users to quickly test new ideas and involve customized
analytic models based on the latest information.
Related docs
