The Management of Consumer Credit: Theory and Practice

The Management of Consumer Credit describes the methods employed by financial services organizations to manage their consumer credit portfolios for products such as credit cards, personal loans and retail agreements. It covers the theory underpinning credit management and the practices real world organizations employ to deliver their products and services to consumers. Topics covered include: organizational structures, direct and database marketing, campaign management, credit scoring, customer acquisition, customer management, debt collection, ethics, legal issues, credit reference agencies, the VISA/MasterCard networks, call centre operation, provision and capital requirements calculation. Written in non-technical language, the book is suitable for anyone with an interest in granting and managing consumer credit, who wishes to know more about the processes involved.

About the Author:
Steven Finlay is an expert in credit risk management, with more than ten years of experience in the financial services industry. He is currently a research fellow at Lancaster University, UK