Through our risk management solutions, combining analytics, card
management know-how and competencies in accordance with your needs
and the compatibility of available data, Intesa Sanpaolo Card
operates as a technical services provider and a consultant in all
stages of the customer lifecycle.
Features
Our tools, techniques, methodology and know-how obtained in
several markets provide solutions such as
- development of application scoring which will rank the new
clients credibility and facilitate risk based approve/refer/reject
decisions
- preparation of the initial limit and proactive Line of Credit
assignment, prospecting activity
- monitoring and revision of authorization system performance
according to portfolio performance
- defining the authorization risk parameters for new
products
- chip risk parameter setup
- link card limit assignment strategies with customer risk
segmentation based on behavioral scoring probability of default
rating
- recognition of medium to high risk customer segments in early
collection stages
- perform collection processes audit and proposed
improvement
- continuous optimization of collection process through improved
efficiency and effectiveness
- development of collections and recovery strategies, procedures
and credit policies
- Loss Given Default calculation and its practical implementation
in credit losses provisioning and default accounts management
- risk reporting (provisioning, dashboards, collection)