Using SAS Marketing Optimization to improve credit-line optimization

White Paper

Using SAS Marketing Optimization to improve credit-line optimization

presented by SAS


Credit line increase is a popular program in all banks, and it forms a part of overall portfolio management strategy. It’s typically initiated by the business owners to stimulate credit usage, increase balance growth, boost retention and drive market share, thus boosting the overall profitability of the portfolio.

This paper shows how SAS Marketing Optimization enables credit line optimization to not only balance the needs of managing risk exposure and achieving an acceptable rate of return at the portfolio level, but also to devise a structured approach and advanced methodology that supports credit line strategy, which can significantly enhance a bank’s profitability with much less associated risk.

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