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 firstname.lastname@example.org. 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.
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