Whether you’re leading your company into the credit card market or looking to improve your business, CAPITAL Portfolio Management services can be tailored to meet your needs.

The following portfolio management services can be used together or separately to gain insight into the dynamics of your credit card business, and how those dynamics affect overall performance.

Click the headers below for more in-depth information on each service.

• Portfolio Analytics

  CAPITAL’s comprehensive financial tools provide a clear picture of your portfolios' performance, giving you the confidence to make sound decisions. We use our proprietary vintage profitability reporting tool called ViPR℠ to better analyze and extract key performance data. Our tools give you the ability to:

  • Reports provide in-depth analysis of key business drivers and portfolio performance.
  • Easily identify what products are working and which are not.
  • Measure performance, project earnings and identify portfolio-level trends.
  • Quantify changes and volatility in portfolio.
  • Help determine asset concentration strategies, evaluate prices when buying or selling a portfolio, and review acquisition cost thresholds.
  • Identify delinquency, charge-off and recoveries for accurate allowance forecasts.

• Risk Management

  CAPITAL’s Portfolio Risk Management services provide valuable insight into the overall performance of your card business with a focus on minimizing the risk. We analyze cardholder behaviors and allow you to better predict the value of potential assets. This brings clarity to an otherwise complex set of variables and allows you to make decisions that will have the greatest positive impact on your portfolio. Services include:

  • Creation of custom scorecards utilized to ascertain specific credit characteristics of applicants.
  • Identification of targeted credit underwriting and selection strategies that result in improved acquisition of accounts.
  • Portfolio performance trending to determine scorecard performance.
  • Delivery of accurate delinquency, charge-off and recovery forecasting.

• Marketing Services

  CAPITAL’s marketing services provide for account acquisition, activation, stimulation and retention. Gain valuable insight and reduced implementation time with a CAPITAL-based marketing campaign.

  • All-inclusive acquisition services including development, design and creation of all associated materials.
  • Comprehensive design services – including direct mail, inserts, card carriers, web site design and hosting.
  • Coordinates list processing, printing, mailing and reporting on solicitations
  • Cardholder activation, stimulation and retention strategies based on your business objectives.

• Compliance

  CAPITAL’s in-house compliance professionals monitor various Visa® and MasterCard® rules, as well as state and federal laws impacting the credit card segment, this helps ensure card programs are compliant as well as reduces time to market.
  
  In addition, we provide performance standards and quarterly reporting on contractual service obligations to ensure compliance with association and banking regulations.

  • Mitigating risk – CAPITAL stays current on new laws and monitors compliance with card programs. We work with our clients to help them understand the laws, so they can mitigate risk.
  • Coordination of external audits and reviews – including Office of the Controller of the Currency (OCC), Office of the Thrift Supervision (OTS), Federal Deposit Insurance Corporation (FDIC), Visa®/MasterCard®, Client-contracted audit firms, State Attorney Generals and Consumer Protection Agencies
  • Information security processes and best-practices are maintained to ensure continued annual compliance with PCI security standards
  • Ensures ongoing successful completion of Statement on Auditing Standards (SAS) No. 70 Audit Compliance