Best Practices in Credit Cards and Consumer Lending

Best Practices in Credit Cards and Consumer Lending

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Best Practices in Credit Cards and Consumer Lending tackles a potentially difficult subject in a manner that is both thorough and accessible. Providing the groundwork for a theory of decision-making in consumer lending, it develops from first principles a unified lending model in which all the different specialisms are included.

 Difficult concepts are explained clearly and simply without retreating into jargon and the report endeavours to bring some harmony into the fragmented understanding of how to manage a consumer lending portfolio or even a consumer lending business.


Best Practices in Credit Cards and Consumer Lending is a thoroughly comprehensive report that will:


·       Outline the theoretical foundations for a quantitative, dynamic analysis of consumer lending

·       Explain and assess the state of understanding of the major conflicting areas in the marketing of financial services and the management of risk

·       Expand on current analytical approaches to make them truly dynamic and extend this analysis to incorporate all aspects of consumer behaviour, including response, activation, attrition, risk, usage, etc

·       Provide a model that will enable business managers to find optimal lending strategies and accurately forecast results

·       Revisit the analytical techniques currently used in model building and explain the use of feedback and monitoring in the model structure

·       Offer many practical examples drawn from real banks in real situations

·       Provide specific advice and guidance on problem recognition and solution throughout the credit cycle

·       Propose a pragmatic development path for banks that will take them from their current level of analysis to a more complete level of analytical understanding


It requires no mathematical skills to read the body of this report, though familiarity with mathematical notation would be useful in some sections.



Author Information

Lafferty Group is a major provider of advanced knowledge services for the financial industry worldwide, with particular specialisations in the fields of retail banking, cards & payments and central banking.


Published: April 2011

Length: 272 pages


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