TNB's team of credit card portfolio management experts can help you optimize your card program to drive more revenue and meet the needs of your members.
TNB Card Services Portfolio Consulting

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.

Because TNB Card Services is a credit card issuer, 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.
  • 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.