A mid-size bank in Northeast USA was looking to revamp its risk management practices before they planned for an aggressive expansion. The bank was looking to apply advanced analytics in order to support lending application and behavior models.


The bank hired our Financial Risk Management and Governance professionals in order to improve its retail lending models and its model governance practices for a variety of retail asset classes. Moreover, our professionals helped identify avenues for improving credit card marketing campaigns utilizing data and their experience in credit card application models.


The bank was able to reduce its loss provisioning account by over 10% by securing low risk borrowers. Moreover, better targeting of customers has helped generate significantly more revenue from credit cards while keeping a lean budget.