Credit Risk in Credit Cards | Strategies & Risk Management | EP 5 скачать в хорошем качестве

Credit Risk in Credit Cards | Strategies & Risk Management | EP 5

🚀 Welcome to Rajat Kumar – Credit Risk & Banking Analytics In this episode, we deep dive into Credit Card Strategy Management and understand how banks maximize profit while controlling credit risk. This video explains how global banks like JP Morgan, Citi, Wells Fargo, American Express design credit card acquisition, behavior, and business expansion strategies using data, analytics, and risk frameworks. If you’re preparing for Credit Risk, Strategy, Basel, IFRS 9, or Risk Analytics roles, this session will give you real-world clarity beyond textbooks, exactly how credit card portfolios are managed in banks. 🔍 What You Will Learn (Credit Cards + Strategy + Risk): 👉 What is Credit Card Strategy Management in banks 👉 Why credit cards are one of the most profitable yet riskiest products 👉 Three core Credit Card strategies: Acquisition Strategy Behavior Strategy (CLI / CLD) Business Expansion Strategy 👉 How banks decide whom to acquire & when 👉 What is Line of Credit (LOC) in credit cards 👉 Drawn vs Undrawn amount explained simply 👉 Risk Weighted Assets (RWA) in credit card portfolios 👉 Cost vs Benefit analysis in credit card strategies 👉 How banks calculate and maximize ROI 👉 Customer segmentation using data & analytics 👉 Business decisions vs statistical models (Decision Trees, Random Forest) 👉 Opportunity analysis in credit card portfolios 👉 Riskiness of customers using Behavior Scores 👉 Transactors vs Revolvers (most important interview topic) 👉 Why banks prefer revolvers 👉 Model validation techniques used in banks 🎯 Who Should Watch This Video: ✅ Credit Risk & Strategy professionals ✅ Banking interview candidates (Risk / Analytics / Strategy) ✅ FRM aspirants ✅ MBA / Finance students ✅ Data Analytics professionals entering banking ✅ Anyone working with Credit Cards portfolios ⏱️ Timestamps: 00:00 – Introduction to Credit Card Strategy Management 00:26 – Types of Credit Card Strategies 01:57 – Acquisition, Behavior & Business Expansion 03:50 – Credit Card as Line of Credit (LOC) 05:48 – Cost vs Benefit Analysis & ROI 07:34 – Customer Segmentation & Analytics 09:29 – Opportunity Analysis in Credit Cards 11:09 – Risky vs Profitable Customers 13:45 – Behavior Score Validation 14:46 – Credit Card Strategy Framework Summary 15:51 – Closing Remarks 👍 Like this video if you are preparing for Banking / Credit Risk roles 💬 Comment your Credit Card / Strategy interview questions 🔔 Subscribe for Credit Risk, Basel & Banking Analytics (2026) 🙋 About Me: I’m Rajat Kumar, a Credit Risk & Analytics professional with 13+ years of experience, sharing real banking strategy, risk management, and analytics knowledge used inside global banks. 🔗 Useful Links: 👉 Credit Risk & Basel Playlist:    • Credit Risk Analytics & Scorecard Developm...   👉 1:1 Mentorship / Career Guidance (Banking & Risk): https://topmate.io/rajat_kumar103/ 👉 WhatsApp / Telegram Banking Community: https://whatsapp.com/channel/0029Vb7Q... 👉 LinkedIn:   / rajat-kumar-1688ba11a   👉 Instagram:   / rajat_alt_ctrl_delete   credit card risk management credit card strategy in banks credit card acquisition strategy behavior strategy credit cards credit card portfolio management credit risk credit cards transactor vs revolver credit card credit card risk analytics banking strategy interview questions credit risk management 2026 #CreditRisk #CreditCards #CreditCardStrategy #RiskManagement #BankingAnalytics #FRM #Basel #CreditRisk2026 #FinanceCareers #RajatKumar