What We Do
Six integrated disciplines across the full credit card investment lifecycle.
Our Services
A fully integrated platform from sourcing to ongoing management.
Co-Brand Partnerships
$2.5B in expected capital creation
Co-Brand Partnerships
- ›Integrated underwriting, marketing, and rewards program design
- ›New model connecting institutional capital with retail loyalty ecosystems
- ›Maximize credit origination and long-term customer engagement
- ›End-to-end partnership structuring and management
Sourcing & Valuation
$20B in receivables acquired
Sourcing & Valuation
- ›Advisory on large-scale credit portfolio acquisitions and dispositions
- ›Expertise spanning $100B+ in successful portfolio transactions
- ›Asset pricing negotiations and bid process management
- ›Deep network of bank and non-bank counterparties
Diligence & Underwriting
45%+ IRR on fully realized transactions
Diligence & Underwriting
- ›Comprehensive due diligence across all consumer lending asset classes
- ›Risk management capabilities tested across multiple economic cycles
- ›Proprietary scoring and behavioral modeling
- ›Underwriting standards consistent with institutional capital expectations
Conversion Services
325+ portfolio conversions managed
Conversion Services
- ›Full-cycle portfolio conversion across TSYS, FD, FIS, and other platforms
- ›Experienced in 300+ medium and large-scale conversions
- ›Minimal disruption to cardholder experience during transition
- ›Dedicated project management and quality assurance teams
Performance Management
$6.2B assets under management
Performance Management
- ›Active portfolio oversight responsibility for acquired credit assets
- ›Track record of generating substantial organic originations
- ›Collections, loss mitigation, and recovery optimization
- ›Ongoing reporting and investor communication
Reporting & Analytics
$52MM in documented loss savings
Reporting & Analytics
- ›PCI-DSS compliant technology infrastructure
- ›Machine learning for real-time data visualization and predictive risk
- ›$52MM+ in loss savings drawn from Fidem's database of ~5M U.S. cardholders
- ›Customized investor reporting and portfolio dashboards
Track Record
Consistent returns across market cycles.
$17.0B
Receivables Acquired
45%+
IRR — Realized Transactions
$2.5B
Capital Creation for Investors
Illustrative representation based on selected performance metrics. Past performance is not indicative of future results.
What You Can Expect
Consistent standards across every engagement.
Streamlined Transaction Execution
A single, experienced counterparty that can move efficiently from initial bid through closing with deep operational capability to support conversion and integration.
Industry-Leading Underwriting
Rigorous, data-driven credit evaluation backed by proprietary databases and 300+ years of collective card experience. We price accurately and manage what we buy.
Investor-Optimized Structures
Transaction structures are designed to maximize loan loss reserve releases and optimize economics for our capital partners aligning outcomes across every stakeholder.
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