PayNet's Strategic Business Review (SBR) offers an in-depth, fully customized, comprehensive benchmarking of a lender's loan/lease portfolio versus a comparable peer group for one, or several, strategic business segments.

Details

The Ultimate Evaluation of Originations, Risk and Operations

Strategic business units selected for review can be developed based either on the lender's own definition, or by PayNet's standards, and benchmarked against similarly individualized peer groups, utilizing:

  • "Apples to apples" comparisons versus your peer group
  • Time series comparisons, as well as current period comparisons, made on a "same store basis" so that data over time is derived from the same set of lenders for the most actionable results
  • PayNet's analytical services' sophisticated portfolio analytical skills
  • Granular data on 64 different topics such as:
  • 31+, 61+, 91+ day delinquency, and default rates
  • Transaction metrics such as Original Transaction Size or Term
  • Borrower metrics such as Geographic Region, SIC, or Years in Business
  • Borrower data is pinpointed from PayNet's proprietary database of "comparable credit"

Choose from an extensive array of key performance categories, or select the proven PayNet "Diagnostic" system of four related metrics that dissect and identify business issues & opportunities:

The Strategic Business Review is fully customizable in terms of content and timing.

Key Benefits

Key Benefits of Strategic Business Review

The SBR delivers actionable solutions to optimize performance, including a benchmarking against competitors in the defined segment(s), an analysis of portfolio strengths and weaknesses, and recommendations for future strategy.

  • Target portfolio strengths and identify weaknesses to improve future performance
  • Identify lower risk market segments for desirable growth
  • Track performance vs. competitor trends
  • Quantify market share
  • Provide objective performance metrics for management reporting and decision-making

Solutions

Strategic Business Review Solutions

The Challenge

Our Solution
  • Defining and attaining growth objectives
  • Quantify market share and growth rate across a broad spectrum of measures
  • Identifying high-return / low-risk market areas and equipment segments
  • Measure delinquency by state/geographic region and equipment type
  • Identifying impact of various factors on profit and performance
  • Delineate how Credit and Collections departments impact performance to take appropriate action
  • Responding to ever-changing market conditions
  • Obtain actionable information to refine credit policy and optimize credit scoring review rules