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Data Analysis Reveals the ‘What Next?’ in Credit Card Portfolio Management

Data analysis can act as a looking glass for credit union card teams, giving leaders a crystal clear view into cardholder behaviors.

By Todd Herren | Updated on February 12, 2013

Data analysis can act as a looking glass for credit union card teams, giving leaders a crystal clear view into cardholder behaviors. By using data analysis to gain an in-depth understanding of this behavior, credit unions can better identify patterns and crucial insight to manage for portfolio profitability and growth.

Data analysis is not just about access to advanced technology — it’s also about combining industry experience and analytical skill to challenge hunches, assumptions and gut feelings. The questions data analysis can answer are boundless. Card teams can uncover any number of truths, from the quantitative (Are our cards priced right?) to the qualitative (Do cardholders like our card?). Most importantly, data analysis will lead credit unions to an action — guiding the “What next?” of card portfolio management.

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