Bankcard Attrition model

TrueNorth (TN) developed a credit card attrition model that takes into consideration the profit associated with the attriting account and gives the issuer enough time to take action to prevent closing the account.

Using a Multivariate Adaptive Regression Splines (MARS) algorithm, the issuer was able to target 24% of the population with anti-attrition tactics and reach 88% of the profitable attritors.


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Faced with limited budgets, our Commercial clients rely on us to optimize the use of their IT and Analytic budgets.  Our clients call on us for data integration, database development, credit risk and portfolio marketing management, model development, validation and implementation, data analysis and key metric reporting, as well as leveraging end user reporting and analysis tools. 

We enhance our clients ability to achieve their department’s mission while saving them time and money. To learn more about how TrueNorth can contribute to your department’s success

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Internet provider database & forecast

TrueNorth (TN) designed and developed a time series performance database in SAS, capturing application and billing performance data.  The  database supported a suite of monthly performance reports.  

In addition we profiled and analyzed churn characteristics of  the customer and developed a 3 year forecast forward of the portfolio by credit score band. Sensitivity analysis provided the customer with different forecast scenarios.