How Decision Optimization Improves Credit Line Management - Spanish

This white paper explores how decision optimization, including action-effect models and prescriptive analytics, can enhance credit line management. It demonstrates how issuers can evaluate multiple scenarios, improve profitability, and comply with regulations while balancing exposure and growth strategies.

• Credit line optimization supports portfolio growth while controlling risk and profitability.
• Action-effect models enable accurate predictions of customer behavior.
• Efficient frontier modeling helps balance expected losses with returns.
• FICO’s solution provides fast results with minimal IT involvement.
• ROI is typically achieved in under a year through scalable, local management.