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Over the past three years, credit issuers have aggressively acquired new consumer accounts in order to gain critical mass within their portfolios. With consumer friendly affinity offers, attractive teaser rates, and innovative credit terms, credit marketers have spared no expense in attempting to “one up” their competitors, emphasizing portfolio growth over profit margins and prudent portfolio risk.

Credit risk management as a discipline, and the process of portfolio and account management are areas of renewed emphasis for financial institutions and, as of late, often the primary concern of institutional lenders.

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Equifax, free Equifax white papers, whitepapers, technical documents, risk management, credit portfolios, credit risk management, portfolio management, institutional lenders
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