Portfolio Management Services | PSCU Financial Services

Achieve success the easy way with our Portfolio Management Tools

Business Man Climbing Stairs Our experts are on hand to help you build a successful credit card portfolio and achieve your organization’s goals easily by tapping into our proven solutions and consulting expertise. Using Account Level Processing Solution your organization can implement flexible, dynamic pricing that uses characteristics and behavior to perform automatically price adjustments at the account level. Our Adaptive Control Solution equips credit unions to proactively interact with cardholders whose behavior shows increased risk, while rewarding cardholders with decreased risk. And, with Score Source Solution, you can further minimize risk by obtaining automated quarterly credit score updates on each account. Credit unions can use one or all of a trio of tools, packaged as Automated Risk Management Solution, to adjust account reissue periods, credit lines and pricing strategies based on cardholders’ behavior and risk.

It’s the interaction behind the automation that provides the greatest gain. You can enhance the impact of these programs with AdvisorsPlus™ specialists, who employ the latest intelligence to design successful promotions that increase outstanding balances and activation and usage rates.

Automated Risk Management

Manage your credit portfolio efficiently and easily with our Automated Risk Management Solutions (ARMS). ARMS is comprised of three dynamic solutions that systemically assesses, predicts and controls risk in your portfolio. Our ARMS suite of products - Adaptive Control System, Account Level Processing and Score Source, can be used independently, but they were developed to work together seamlessly for the most powerful risk management program.

These solutions equip credit unions to adjust reissue periods, credit lines and pricing strategies based on cardholders’ behavior and risk. Proactive information equips your credit union to prevent losses, while simultaneously rewarding cardholders’ whose credit status has improved. Detailed, updated information can reduce expenses and losses on plastics and can also lead to increased credit card usage.

Account Level Processing

Retaining and growing your portfolio means providing cardholders the product they demand. Reward loyalty and recruit new accounts with flexible, dynamic pricing. Account Level Processing evaluates cardholder account characteristics and behavior and automatically adjusts pricing at the account level. Eliminate manual reviews and account changes with this powerful account management tool. Improve member service by quickly responding to changes in card usage.

With Account Level Processing you can execute pricing strategies that are based on the cardholder’s credit score, credit bureau score and delinquency and over limit history. Accounts can be automatically evaluated and re-priced according to a schedule determined by each individual credit union.

Streamline account management with this valuable tool today.

Adaptive Control System

Use online predictive technologies to proactively respond to changes in risk in your credit card portfolio. Our Adaptive Control System Solution employs an advanced analytical model to evaluate cardholder accounts using a behavior score. This score, based on models from First Data and Fair, Isaac and Company, helps credit unions identify both positive and negative changes in credit conduct.

Our strategies make portfolio management decisions based on the combination of behavior scores with delinquency history, credit bureau scores and other account attributes for each individual account. With this solution, your credit union can take appropriate action for accounts that show increased risk, while rewarding accounts with decreased risk. Better management of credit line, reissue and collections strategies improves profitability while enhancing member service.

Our Adaptive Control System Solution allows credit unions to enroll in one or all of our management strategies:

Credit Limit Management – Allows the systematic upward or downward adjustment of credit limits.
Reissue – Establishes a customized reissue period based on performance and risk.
Delinquency – Alters the flow of collection activity based on cardholder risk.
Over limit – Manages overlimit accounts to reduce risk.

Score Source

Save time and money with our Score Source credit portfolio management tool. This solution provides quarterly updates using Beacon® scores that are based on the cardholder’s Equifax credit report. Score Source also provides Bankruptcy Navigator Scores (BNI) which is a powerful analytical tool designed to identify consumer bankruptcy risk at an early stage. Built exclusively by Equifax, BNI predicts the likelihood of consumer bankruptcy within the next 24 months and helps customers make timely decisions regarding acquisitions, credit limits, risk based pricing, credit line management, over-limit authorization, re-issuance and collection activity.

These scores quickly indicate any changes in the risk level of each cardholder’s account. Our automated process is significantly less expensive and time-consuming than running your own portfolio reviews. Enrollment is easy. All you need to do is enroll the desired accounts—there is no need for tape transmissions and enrollment is FREE. New scores are available in January, April, July and October.