Today, many financial institutions extending credit rely on automated credit scorecard decision engines to drive credit strategies that are used to allocate (application scoring) and manage (behavioural scoring) credit limits. The accuracy and predictive power of these models are meticulously monitored, to ensure that they deliver the required separation between good (non-delinquent) accounts and bad (delinquent) accounts. The strategies associated to the scores (champion strategies) produced using the scorecards, are monitored on a quarterly basis (minimum), ensuring that the limit allocated to a customer, with its associated risk, is still providing the lender with the best returns on their appetite for risk. The strategy monitoring opportunity should be used to identify possible clusters of customers that are not producing the optimal returns for the lender. The identified existing strategy (champion) that does not return the desired output is challenged with an alternative strategy that may or may not result in better results. These clusters should have a relatively low credit risk ranking, be credit hungry, and have the capacity to service the debt. This research project focuses on the management of (behavioural) strategies that manage the ongoing limit increases provided to current account holders. Utilising a combination of the behavioural scores and credit turnover, an optimal recommended or confidential limit is calculated for the customer. Once the new limits are calculated, a sample is randomly selected from the cluster of customers and tested in the operational environment. With the implementation of the challenger, strategy should ensure that the intended change on the customer's limit is well received by the customers. Measures that can be used are risk, response, retention, and revenue. The champion and challenger strategies are monitored over a period until a victor (if there is one) can be identified. It is expected that the challenger strategy should have a minimal impact on the customers affected by the experiment and that the bank should not experience greater credit risk from the increased limits. The profit from the challenger should increase the interest revenue earned from the increased limit. Once it has been established through monitoring whether the champion or the challenger strategy has won, the winning strategy is rolled-out to the rest of the customers from the champion population. / Thesis (Ph.D. (Operational Research))--North-West University, Vaal Triangle Campus, 2009.

Today, many financial institutions extending credit rely on automated credit scorecard decision engines to drive credit strategies that are used to allocate (application scoring) and manage (behavioural scoring) credit limits. The accuracy and predictive power of these models are meticulously monitored, to ensure that they deliver the required separation between good (non-delinquent) accounts and bad (delinquent) accounts. The strategies associated to the scores (champion strategies) produced using the scorecards, are monitored on a quarterly basis (minimum), ensuring that the limit allocated to a customer, with its associated risk, is still providing the lender with the best returns on their appetite for risk. The strategy monitoring opportunity should be used to identify possible clusters of customers that are not producing the optimal returns for the lender. The identified existing strategy (champion) that does not return the desired output is challenged with an alternative strategy that may or may not result in better results. These clusters should have a relatively low credit risk ranking, be credit hungry, and have the capacity to service the debt. This research project focuses on the management of (behavioural) strategies that manage the ongoing limit increases provided to current account holders. Utilising a combination of the behavioural scores and credit turnover, an optimal recommended or confidential limit is calculated for the customer. Once the new limits are calculated, a sample is randomly selected from the cluster of customers and tested in the operational environment. With the implementation of the challenger, strategy should ensure that the intended change on the customer's limit is well received by the customers. Measures that can be used are risk, response, retention, and revenue. The champion and challenger strategies are monitored over a period until a victor (if there is one) can be identified. It is expected that the challenger strategy should have a minimal impact on the customers affected by the experiment and that the bank should not experience greater credit risk from the increased limits. The profit from the challenger should increase the interest revenue earned from the increased limit. Once it has been established through monitoring whether the champion or the challenger strategy has won, the winning strategy is rolled-out to the rest of the customers from the champion population. / Thesis (Ph.D. (Operational Research))--North-West University, Vaal Triangle Campus, 2009.

Coordenação de Aperfeiçoamento de Pessoal de Nível Superior / The central proposal of this dissertation sought to understand how the banking segment Valley sports sponsorship to build your brand, enhance their products and services and gain consumer interest. As delimitation of the subject, it was proposed comparative research concerning the setup of campaign speeches of Banco Itaú and Bradesco advertisers. Therefore, it was analyzed from the perspective of a discursive semiotics, the picture that sets socio-culturally the two brands, as well as fourteen promotional pieces - Eight bank Itaú six bank Bradesco, seeking to understand how to configure their strategies, generating sense for consumers and adding value to the brand in the competitive market. To this end, we defined the following specific objectives: (1) selecting advertising campaigns on television by banks Itaú and Bradesco, which are directed to specific sporting event; (2) analyze promotional pieces based on the theoretical perspective of European semiotics; (3) examine the text of the agent in its extra dimensions, inter, intratextual; (4) recognize the discursive strategies used in the construction of these pieces of promotional character; (5) identify the predominant values in these parts connected to the context of the sport; and (6) comparatively analyze both advertisers banking segment, recognizing positions and intentions, and the effects of meaning that they bring to the Brazilian consumer. There are theoretical and methodological basis in semiotics, particularly the assumptions of Greimas and Bakhtin, to perform comparative analysis of the disclosures of both institutions. / A proposta central desta dissertação buscou entender como o segmento bancário se vale do patrocínio esportivo para consolidar sua marca, valorizar seus produtos e serviços e conquistar o interesse do consumidor. Como delimitação do tema, propôs-se a investigação comparativa a respeito da configuração dos discursos promocionais dos anunciantes banco Itaú e Bradesco. Para tanto, foi analisado, na perspectiva de uma semiótica discursiva, o panorama que configura sócio-culturalmente as duas marcas, bem como catorze peças promocionais oito do banco Itaú, seis do banco Bradesco, buscando entender como se configuram suas estratégias, gerando sentido para o consumidor e agregando valor à marca no mercado competitivo. Para tanto, definiram-se os seguintes objetivos específicos: (1) selecionar campanhas veiculadas em televisão pelos bancos Itaú e Bradesco, que sejam direcionadas ao evento esportivo específico; (2) analisar as peças promocionais com base na perspectiva teórica da semiótica europeia; (3) examinar o texto do anunciante nas suas dimensões extra, inter, intratextual; (4) reconhecer as estratégias discursivas utilizadas na construção dessas peças de caráter promocional; (5) identificar os valores predominantes nessas peças ligadas ao contexto do esporte; e (6) analisar comparativamente os dois anunciantes do segmento bancário, reconhecendo posicionamentos e intencionalidades, e os efeitos de sentido que elas trazem ao consumidor brasileiro. Há embasamento teórico-metodológico na Semiótica, principalmente nos pressupostos de Greimas e Bakhtin, para realização da análise comparativa das publicidades das duas instituições.