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Portfolio Consulting
There are a lot of important things on your
plate, and your credit card portfolio is
just one of them. Maybe you have seen the
revenue from the portfolio be flat or
decline for the last few years or the
charge-off rate rise to unacceptable levels. You
have had good intentions to focus on it, but
other priorities are taking your team's time
and resources. Let TNB Card Services'
portfolio experts show you how you can make
your credit card portfolio the high
performing asset you know it can be.
TNB Card Services is a credit card
issuer managing a large portfolio-it is what we
do all day, every day. We offer you the same
expertise and effective strategies we use to
help optimize your credit card program.
Our team of portfolio management
professionals can do more than just tell you
what you "ought to do". We take a
different approach. One that partners with
you to accomplish your goals in a credit
union member-friendly way and walks together
with you every step of the way to implement
new portfolio strategies.
Our Portfolio Consulting Solution
offers strategies and full turnkey
implementation of:
- Risk-based pricing
- Credit line management
- Product implementation
- Credit underwriting strategies
- Collections strategies
- Portfolio performance reporting
- Marketing programs
- In-branch cross-selling training
The Process
- Your dedicated Account Executive will
work with your team to determine the level
of support right for your credit union based
on your needs. Our solutions range from
expert advice, to complete portfolio
analysis and consulting, to portfolio
management where you still own your assets,
to card issuing with TNB as your partner.
- Your credit card portfolio will be
reviewed using sophisticated analytic tools
to determine the enhanced revenue potential
with the right pricing, products, and credit
lines. We will present you with our portfolio
management team's recommendations and work
with you to establish the plan you choose to implement.
- Our highly-experienced and certified
project managers will then handle the
implementation process with a project scope-of-work that is shared with your team.
- Our marketing and training teams will
work with you to develop the right marketing
and promotional programs to encourage your
members to open new accounts and use your
card.
- Regularly scheduled portfolio reviews
will monitor the changes in your portfolio.
You will find risk is reduced and revenue is enhanced.
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