Well Positioned to Deliver Sustainable Growth
■•Utilize Many Levers to Manage Risk and Optimize Outcomes
I
Synchrony
PRISM
Credit Levers Available to Manage Exposure
PORTFOLIO COMPOSITION
PORTFOLIO MANAGEMENT
Вод
Acquisitions
• Proactive acquisition offers
(prescreen and quick-screen)
PLCC marginal cutoffs
• Line assignment
.
Product Offerings
Product mix between Dual
Card, PLCC, Secured Card,
Synchrony Installments, and
Pay in 4 to modify exposure
and utility
Q
Account Management
• Proactive account upgrades
⚫ Delinquent and overlimit
authorizations
.
• Credit line increases
Credit line decreases
Account closures
Collections and Recovery
•
•
O Collection segmentation
Contact and collection
strategies
• Settlement offers
• Charge-off placement
strategies
⚫Debt sales vs. liquidation
strategies
"synchrony
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