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
$17.0B 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
$53MM in documented loss savings
Reporting & Analytics
- ›PCI-DSS compliant technology infrastructure
- ›Machine learning for real-time data visualization and predictive risk
- ›$53MM+ in loss savings via proprietary customer database analysis
- ›Customized investor reporting and portfolio dashboards
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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