Application of Decision Sciences to Solve Business Problems

Retail Banking Industry

Analytics for Retail Banks

A Strong P&L Discipline to all Analytics

Reduce Customer Attrition - Voluntary / Involuntary - Retention Strategies - Winback

Bank P&L New Accounts Acquired Accounts Closed Account Activation rate Payment Rate Total Ending Receivables Interest Cost of Funds Net Interest Margin Risk-based Fees Interchange Affinity Rebates Cross-Sell Annual Fees Net Credit Losses Net Credit Margin Operating Expenses Loan Loss reserve Net Income

Acquire New Customers - Segments X Products X Channel - Mailbase Expansion - Pricing

Improve Profitability of Assets - Balance Transfer - Credit Line Strategies - Pricing

Increasing Activation Rates - Deepening Engagement - Inactive Customer Treatment

REVENUES

Maximizing Fee Revenue - Over Credit limit - Delinquency - Bad Check

Maximizing Interest Revenue - Product Pricing - Customer Behavior Revolvers, transactors, etc

EXPENSES

Reduce Net Credit Losses - Credit Line strategies - Pricing strategies - Collections

Increasing Cross-sell Revenues - Revenue Enhancing Products - Breadth of relationships

Marketelligent brings a top-down approach to all Analytics. Our analytics expertise impacts all line items of a Business P&L

Strategic Reporting
Strategic MIS & Reporting
Having a multi-dimensional view of critical business metrics available in real-time is key to effective management of a Business. Marketelligent helps banks in putting together Strategic MIS across Product and Functions without having to invest heavily in bespoke IT systems and BI packages. Our capabilities include ETL, development of analytical databases, identification of key metrics and views, SAS-based data manipulation and report delivery on visually-rich platforms.
Sample Reports include: Acquisitions and profile of New Customers Portfolio & Vintage performance Credit lines and Utilization Delinquency, Risk, Loss and Collections Product P&Ls and trends across time

Marketing Analytics
Marketing Analytics
Marketing Analytics covers all functions of a Bank that help the business get a better understanding of its Customers thereby leading to a deeper Customer Engagement and enhanced revenues. Marketelligent brings unique expertise in key functions across the Customer Lifecycle:
Customer Segmentation Customer Lifetime Value (CLV) Increasing Usage and building profitable balances Campaign design, management and tracking Measurement of marketing effectiveness Cross-sell and up-sell Customer Retention and win-back

Retention Value Activation

Acquisition

Usage & Loyalty

Time

Risk & Fraud Analytics

Risk & Fraud Analytics
Risk Analytics covers all areas of the business that directly impact loan losses and charge-offs. Marketelligent brings deep expertise in designing and implementing profit-based strategies that enable a business to limit its losses; at the same time not compromising on revenue opportunities.
Acquisition Credit Policy Pricing and Credit Line Management Collections and Recoveries Fraud detection and management Scorecard development, validation and maintenance across functions : approval, delinquency, collections, etc

Behavioral Models

Revenue and Cost Drivers

Revenue

Optimal Line Determination

Optimal Line Drivers

Balance Model CMV Actual Revolve Model

300.00 250.00

Predicted V/s Actual Inactivity

LOC

200.00

150.00

Predicted Inactivity Ideal

100.00

Other Models

Cost Optimal LOC

50.00

0.00 0 50 100 150 200 250 300 350 400

LOC

Predicted

Risk Model LOC Illustrative process for assigning Optimal Line of Credit (LOC)

Y O U R PA R T N E R F O R D ATA A N A LY T I C S S E R V I C E S
ADVANCED ANALYTICAL SOLUTIONS
Industry
Consumer Finance Credit Cards Loans and Mortgages Retail Banking & Insurance Wealth Management Consumer Goods and Retail CPG & Retail Consumer Durables Manufacturing and Supply Chain High Tech OEMs Automotive Logistics & Distribution

Business Focus
Investment Optimization Revenue Maximization Cost and Process Efficiencies Forecasting Predictive Modeling Risk Management Pricing Optimization Customer Segmentation Drivers Analysis Supply Chain Management

Tools and Techniques

SAS, SPSS, R, VBA Cluster analysis Factor analysis Structural Equation Modeling Conjoint analysis Perceptual maps Neural Networks Chaid / CART Genetic Algorithms Support Vector Machines Sentiment Analysis

MANAGEMENT TEAM
Roy K. Cherian CEO Roy has over 20 years of rich experience in marketing, advertising and media in organizations like Nestle India, United Breweries, FCB and Feedback Ventures. He holds an MBA from IIM Ahmedabad.

GLOBAL EXPERIENCE. PROVEN RESULTS.

Anunay Gupta, PhD COO & Head of Analytics Anunay has over 15 years of experience, with a significant portion focused on Analytics in Consumer Finance. In his last assignment at Citigroup, he was responsible for all Decision Management functions for the US Cards portfolio of Citigroup, covering approx $150B in assets. Anunay holds an MBA in Finance from NYU Stern School of Business. Buck Chintamani EVP, Strategic Initiatives & Business Development Buck has extensive experience working with global clients across sectors. He was an early employee at Infosys, a founding team member at supplychain software startup - Yantra, and part of the management team at RFID sector startup - Reva. Most recently, he was the Vice-President for Service Partner Strategy and Programs at product lifecycle management software company, PTC. Buck has an MBA from IIM Ahmedabad. Kakul Paul Business Head, CPG & Retail Kakul has over 8 years of experience within the CPG industry. She was previously part of the Analytics practice as WNS, leading analytic initiatives for top Fortune 50 clients globally. She has extensive experience in what drives Consumer purchase behavior, market mix modeling, pricing & promotion analytics, etc. Kakul has an MBA from IIM Ahmedabad.

CONTACT
MARKETELLIGENT, INC.

www.marketelligent.com

80 Broad Street, 5th Floor, New York, NY 10004 1.212.837.7827 (o) 1.208.439.5551 (fax) info@marketelligent.com