Revolutionize credit portfolio acquisition with data analytics. Make data-driven decisions, bid competitively, and close deals faster with Predictive Analytics Group ..read more

With banks facing tougher new rules modernizing fair-lending standards and recent negative press about disparities around fair lending compliance. Predictive Analytics Group has seen a spike in interest from financial institutions wondering how they can better position themselves in advance of regulators coming to visit. Banks have until 2026 to integrate the new rules governing compliance with the 1977 Community Reinvestment Act (CRA) regulations into their operations. Historically, they’ve been graded on how well they service low-income communities where they have branches. Now, however, the ..read more

By David LaRoche Back in early August, a good friend of mine asked me to look at his collections shop. We focused on his technology and major operational strategies. The discussion was very productive because he’s an experienced executive who knows what he’s doing. During the two hours we spent together, we identified three significant opportunities to improve call routing, targeting of hardship programs, and the distribution of his SMS/Email campaigns. We rolled out the changes using a 60% Champion/Challenger approach and received the results in early November. He saw an 8% improvement in Buc ..read more

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 growth potential, so it turned to PAG for help. PAG Solution: PAG was asked to evaluate the Client’s existing data construct and subsequent forecasting models for credit losses, balance attrition, and balance growth.  We ..read more

Imagine not having to worry about whether auditors, regulators, or partners will find compliance missteps when they review your operations. In the past few years, Predictive Analytics Group (PAG) has conducted more than 50 audit-prep exams, closed out more than 20 MRAs, worked on a dozen Consent Orders, successfully completed eight lookback or remediation exercises, and built 15 CMS organizations from the ground up for new startups. We offer peace of mind to our clients when regulators and auditors come to town.  Let’s face it, the Silicon Valley Bank and Republic Bank meltdowns sent shoc ..read more

Company: New Market Entrant – US Co-Brand & Branded   Challenge: A fintech was planning to enter the affinity credit card business in the United States but needed to create a compliance infrastructure – including identifying and hiring a compliance team — to support its efforts.  There was no off-the-shelf template it could use that would apply to prospective affinity partners, regulators, and auditors so it needed an experienced team that would help it prepare for the many audits and requests for documentation it would be receiving. PAG Solution: PAG deployed a three-stage appro ..read more

A regional fintech lending to mid-to-high risk consumers in 24 states recently asked us to help update its 2-year-old strategy for line assignments, risk-based pricing, and decisioning and expand beyond its use of generic data sources that were not performing to management expectations. We connected the client to four data providers to obtain retro data on two quarters of approved and declined applications. Data scientists from Predictive Analytics Group (PAG) then created a reject-inference model to project the performance of declined applications, enabling both swap-in and swap-out capabilit ..read more

Challenge: An investment company was considering purchasing multiple portfolios within two lines of business and needed help with due diligence, particularly to validate pricing to ensure the investment met its expectations. Limited historical data was available due to the age of the product, and the investment company lacked the datasets to build a sufficient model to gauge value of the portfolios. PAG Solution: PAG used its proprietary GOBLIN software to develop multiple forecasting models to validate assumptions and determine optimum portfolio pricing across multiple product lines. PAG’s ex ..read more

By David LaRoche Over the past few years, we’ve helped financial institutions conduct due diligence before partnering or supporting a fintech that wants to enter the credit-card market. Generally speaking, we advise them to consider the fintech’s experience in the credit industry, its pricing model, its ability to scale and grow – and whether the ..read more

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 ..read more