OUR GOAL
CLIENT TAKEAWAYS
THE PAG PROCESS
- Develop innovative and effective marketing and underwriting models
- Design account strategies to encourage controlled growth
- Implement customer-friendly treatment strategies to solve financial difficulties
- Prepare documentation and identify operational risk before customer harm can occur
Banking Lead
Dale Hoops
Our Services
What Banking Services We Offer
Predictive Analytics Group assists banking clients of all sizes, and offers a wide range of services from developing underwriting strategies, enhancing collections operations, to regulatory and compliance readiness. Select a tile below to read more about each of our Banking services.
Underwriting Strategies
Let PAG build a new underwriting model which could include scorecards, strategies and/or credit policy to help grow your business while taking on the least amount of risk possible.
Collections Optimization
PAG has Collection SMEs with 20 plus years of experience who can help redesign your organization, optimize your collections strategies, install and utilize cutting edge digital technologies and reduce inefficiencies/costs from any operation.
Credit Reporting and Disputes Management
PAG has years of experience redesigning credit reporting policies and procedures, building and file testing Metro 2 files, conducting system and tradeline testing, and optimizing dispute performance to help your business thrive in any audit or regulatory review.
Regulatory Readiness Preparation
We can perform vertical and horizontal reviews of all your business lines to ensure full compliance with all regulations, polices, procedures and compliance expectations. Our Compliance SMEs can prioritize all of your improvement opportunities into an easy to understand enhancement plan.
Relevant Articles and Case Studies:
Call Center Optimization Can Combat Rising Delinquencies
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From TDs to Turnarounds: How Our FUN NFL Hobby Helps Us Tackle Your Business Challenges
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Revolutionizing Collections: How Machine Learning and RPA Are Slashing 90+ Day Delinquencies
By David LaRoche I’m getting calls these days from consumer lenders concerned about surging delinquencies and struggles with traditional collection…
Navigating the Data-Driven Landscape: Why Your Business Needs a Comprehensive Analytics Solution
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Don’t let a lack of document control sink your compliance efforts
Have you ever considered how master document control serves not only as a strategic asset but also supports a robust…
Unlock the Power of Data in Portfolio Acquisitions
Revolutionize credit portfolio acquisition with data analytics. Make data-driven decisions, bid competitively, and close deals faster with Predictive Analytics Group.
From Reactive to Proactive: Transforming Collections with Data Insights
With charge-offs and delinquencies hitting recent highs, the stability of your credit portfolio may be at risk. At first glance,…
PAG Leverages Data Analytics for Fair Lending Compliance
With banks facing tougher new rules modernizing fair-lending standards and recent negative press about disparities around fair lending compliance. Predictive…
Time for vigilance rather than panic over delinquencies and charge offs
By David LaRoche Back in early August, a good friend of mine asked me to look at his collections shop….
5 Essential Steps to Achieve Compliance Excellence
Imagine not having to worry about whether auditors, regulators, or partners will find compliance missteps when they review your operations….
PAG helps fintech build an affinity-card compliance program from scratch
Company: New Market Entrant – US Co-Brand & Branded Challenge: A fintech was planning to enter the affinity credit…
Predictive Data Analytics: The Key to Optimizing Your Underwriting Strategy
A regional fintech lending to mid-to-high risk consumers in 24 states recently asked us to help update its 2-year-old strategy…
Five questions for banks considering partnering on a fintech card program
By David LaRoche Over the past few years, we’ve helped financial institutions conduct due diligence before partnering or supporting a…
Business-transformation projects require risk-management integration
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The top risks facing community banks: How data analytics can help
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Adjustment of initial line assignments and authorization strategies helps client achieve growth & loss targets
Challenge: A PAG client in the US credit card market was not achieving its Year 1 growth and loss-rate projections…
PAG adds processes and reports to help lender convince regulators its exception documentation was sound
Challenge: A large unsecured loan provider in the United States was having challenges with its model suite and convincing its…
Overhaul of client’s collections and recovery processes drives strong improvement across buckets
Challenge: A large client in the US credit card market was not getting the performance on its forecasted portfolio…
Fintech kicks off card program using GOBLIN platform to merge four data streams
Challenge: One of PAG’s clients – a medium-sized fintech with a long history of customer loyalty – wanted to enter…
Card portfolio acquirer sees double-digit improvement in profitability after PAG overhauls forecasting process
Challenge: One of PAG’s large clients in the United States purchases credit card portfolios from other US-based financial institutions. Our…
Profitability pressure forcing banks to review their underwriting strategies
By David LaRoche Credit card issuers – whether they’re lending to a broad consumer base or to the customers of…
PAG plugs gap in co-brand card issuers’ fraud data and strategy
Company: Large Credit Card Issuer – US Co-Brand Challenge:Company launched a card product that was experiencing higher than expected fraud…
PAG helps Top 10 card issuer rebuild its outdated customer score model
Company: Top 10 Credit Card Issuer – US Co-Brand & Branded Challenge:Company has greater than 30 co-brand partner portfolios and…
Co-brand card issuer results spike after fraud-strategy refresh
Company: Large Credit Card Issuer – US Co-Brand Challenge:Company launched a card product that was experiencing higher than expected fraud…
A quick guided tour of analytic decision making
With the advent of AI and machine learning, some of the most complicated problems in industry have been not only…
Strong risk management isn’t about stopping risk. It’s about managing that risk effectively
Risk is inherent in everything we do. Whether it be choosing to leave the house, turning on a burner, bungee…