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Portfolio Purchase Support

We have helped our clients purchase more than two dozen portfolios over the last two years.

OUR GOAL

We use our expertise in data analysis, financial modeling, and banking operations to help you make informed decisions about potential portfolio purchases. The ultimate goal is to help you make a sound investment decision that aligns with your financial objectives and risk appetite while simultaneously supporting the day-to-day management of your new purchase.

CLIENT TAKEAWAYS

THE PAG PROCESS

Portfolio Purchase Support Team

Stephen Hoops

844-SEEK-PAG info@predictiveanalyticsgroup.net

Our Services

What Portfolio Services We Offer

PAG has proprietary matrices to help review a portfolios attributes and identifying risks, identify a portfolios trends to help you assess future changes. and we can help build a full dashboard to help analyze your portfolio as well as providing risk management for your company.

Due Diligence

We have proprietary matrices to review a portfolio’s key attributes, including details on financials, documentation, compliance, and operational treatments. Our analysis will outline key strengths of any prospective portfolio being considered for purchase while identifying key risks that should be addressed to affect purchase price and long-term sustainability.

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Portfolio Evaluation

PAG has some of the industry’s most talented and skilled forecasters and models. We can identify portfolio trends in balance change, delinquency, fraud, and credit losses to give you a 5-year view into future profitability so you can make the best pitch to the seller.

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Reporting and Dashboarding

PAG can build a full suite of custom reports and dashboards so you can make decisions on how to manage your new portfolio. We have multiple delivery options, including User ID access file shares to enable all your organization to access the reports and data they need.

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Stand in Risk Management

PAG can perform all Risk Management functions to support your new purchase, including data architecture and warehousing, risk strategies including underwriting, fraud, account management, and collections, as well as most IT functions. PAG can also supply key senior resources like a Chief Risk Officer or Chief Compliance Officer until you are able to hire your own.

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Relevant Articles and Case Studies:

  • Three Different Answers

    Three Different Answers

    When your CFO, CRO, and Head of Commercial Lending cite three different numbers for the same question, you don’t have a people problem. You have a data silo problem. Learn why fragmented data costs banks credibility, speed, and competitive advantage, and how consolidation creates a single source of truth that transforms decision-making.

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  • Predictive Analytics: The New Standard for M&A Due Diligence

    Predictive Analytics: The New Standard for M&A Due Diligence

    Predictive analytics reveals what traditional due diligence misses—churn trends, supplier risk, operational black holes—so you can close deals with confidence.

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  • Efficient Decisions Start Here: The Power of Consolidated Dashboards

    Efficient Decisions Start Here: The Power of Consolidated Dashboards

    Financial executives struggle with fragmented data across multiple legacy systems. Consolidated dashboards transform this chaos into clear, actionable intelligence – especially critical in competitive areas like collections where simply noting “losses are increasing” isn’t enough.

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  • Unlock the Power of Data in Portfolio Acquisitions

    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.

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  • PAG helps portfolio buyer assess health of future acquisitions

    PAG helps portfolio buyer assess health of future acquisitions

    Challenge: A large portfolio buyer had seen disappointing results from a few previous acquisitions. In one case, a runoff portfolio acquisition’s credit losses exceeded projections, and in another, a few card portfolios were growing slower than expected.  Management was under immense pressure to acquire its next set of acquisitions at a profitable margin with upside…

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  • If you’re buying a portfolio, data analytics support can be helpful

    If you’re buying a portfolio, data analytics support can be helpful

    As a data analytics company, we understand the importance of informed decision-making when it comes to investing in portfolios. With ever-evolving market trends and the need for a more data-driven approach to portfolio purchases, it can be challenging for companies to navigate this process on their own. This is where our team of experts comes…

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Managing Partner of U.S. Operations

Mr. LaRoche is a resourceful, results-oriented Executive with over 25 years of financial services experience; emphasizing collections risk management, dialer operations, MIS and reporting analytics, acquisition strategies, loss forecasting, credit policy, account management strategies, portfolio conversions, due diligence, and collections operations management. He also has over 15 years of direct risk management experience, with 3 years of collections line management experience possessing excellent analytical skills and the ability to manage diverse groups in strategies, modeling, collections, dialer operations, loss forecasting/loan loss reserve modeling, financial analysis, operations and loss avoidance.

David started his career in 1997 as a customer service representative for Travelers Bank. Since then, he has held the following senior positions:

  • Director, US Operations for Bridgeforce Consulting
  • Sr. Director and Call Center Leader for American Express
  • SVP. Collections Strategy and IT leader for Washington Mutual

Chief Risk Officer

Dale Hoops has over 25 years of experience within the financial services industry, with a focus on Risk Management, Collections, Fraud, Account Management Strategies, Loss Forecasting, stress testing, and economic analysis.

Dale started her financial services career in 1996 as a part time customer service representative and teller in a small financial center while attending the University of Richmond. Her career has included senior roles at Bank of America, Citi, and MBNA America. She has experience with multiple retail products, including consumer and commercial cards, private label and co-brand, deposits, vehicle lending, mortgage, and home equity. Her key strengths have been identifying opportunities for improvement through business analysis, strategy development, and risk governance.

In addition to her professional career, Dale has extensive leadership experience with non-profits with event planning, policy, budget, and audit management. She is a member of the Board of Directors for the Girl Scouts of the Chesapeake Bay, which serves 8,000 girls in Delaware, Maryland, and Virginia. She is the former President, Vice President, and Treasurer at a local Parent-Teacher Association, former community pillar chair for Bank of America’s LEAD for Women Delaware network, and served on the leadership team for the Field of Dreams Relay for Life event to raise funds for the American Cancer Society.

Chief Data and Analytics Officer

Mr. Ridgeway has over 30 years of experience within the financial services industry, including Risk Management, Finance, Project Management, Compliance, MIS, IT & Operations. He has held senior roles at several of the top 5 Banks, including MBNA, Wells Fargo & Citibank. Dee has expertise in Risk oversight and a wealth of knowledge in the regulatory footprint (CFPB / OCC / FRB) in financial services. He has hands-on knowledge in the strategy world with numerous credit products including: credit cards, auto lending, mortgage and home equity, and unsecured lending. Dee is a co-founder of Predictive Analytics Group, worked as a Senior Consultant for Hoops Consulting, LLC., and owned & operated Mayflower Analytics LLC.

From a Risk Management perspective, Dee has experience in portfolio management in credit underwriting and loss mitigation during several growth cycles and economic contraction periods. He understands the needs and partners well with operational risk, modeling, and loss forecasting risk functions.

Dee is a SME on risk data strategy (data architecture, data management, and systems integration) and often creates a "passable bridge" between Risk and IT that translates business needs into executable business plans.

From an MIS, reporting, and portfolio analytics perspective, Dee has a proven track record of designing portfolio reporting that meets executive and end user needs that often have been labeled the "gold standard."

CEO and Chief Strategy Officer

Mr. Hoops has over 25 years of experience within the financial services industry, including Credit Collections & Fraud Risk Management, Business Operations, Control &Compliance, Strategic Planning, Forecasting, and Marketing Analytics. He has served as a Chief Risk Officer for Barclaycard US Partnerships, a Global Scoring Head at Citibank, and a Site President for Wells Fargo Financial. Steve is a co-founder of Predictive Analytics Group and has owned & operated Hoops Consulting, LLC for the past 4 years.

Steve started his financial services career in 1993 as a part-time telemarketer while attending the University of Delaware for his Business Administration degree. Mr. Hoops has spent his 25-plus years within the industry building best-in-class operations with each company he has supported. His career has been highlighted by leading several large functions for several Tier 1 and Tier 2International Banks, including:

  • Credit Policy (CRO for $20B co-branded portfolio, Barclaycard US partnership)
  • Credit Policy (SVP for $28B retail Co-brand & Private Label portfolio, Citibank)
  • Loss Forecasting / Loan Loss Reserves ($30B Consumer portfolio, Citi-Financial)
  • Collections Risk Management ($70B Co-brand & Private label portfolios, Citibank)
  • Modeling ($30B Consumer Loan & sub-prime Mortgage portfolio, Citi-Financial)
  • Collection Operations (Head of 410 person operations center, $17B Auto, Personal Loan & Mortgage portfolio, Wells Fargo)
  • Credit Analytics (MBNA/Bank of America, Wells Fargo, Citibank)