The Challenge

• Assessment of highest priority opportunities
• Quantification of short term profitability improvement opportunities
• Recommended programmatic responses
• Assessment of critical risks
• Need to increase profitability of the portfolio
• Customer satisfaction means providing faster funds availability
• Response rates are falling - need to manage rising cost of acquisition
• Need to improve portfolio loss rates

PNT's Solution

• Segment to understand where adequate returns are coming from:
• Adequate yields
• Pricing for risk
• Better targeting
• Credit strategies aligned with customer segment targets
• Test programs
• Define desired customers
• Leverage existing distribution better/differently
• Target new customers using internal data
• Target market/sourcing review of acquisition strategy and tactics
• Compensation alignment to results
• Servicing review, including collections
• Review risk mitigation programs
• Profitability metrics by product and segment