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Case Study - Top 3 Credit Card Issuer in the United States

Business Challenge

  • A top 3 credit card issuer in United States had previously employed several consultancies to optimise their portfolio and also had an internal revenue enhancement team

  • FINPE team was invited to look at further improvements in the context of a wider revenue enhancement engagement across other business lines

  • FINPE engineers brought in its proven methodology and expertise in reviewing all revenue drivers as well as some of the cost drivers

  • After a detailed analysis of processes and parameters, FINPE team was able to prove value from multiple opportunities driving non-interest income

  • Opportunities in addition to increasing revenues improved consistency of customer treatment across the portfolio

  • Results: Initial value identified was well over $60 million which surprised the Management given the context when we entered the organization and the bank was able to actually realize over $100 million from the implemented recommendations.

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