Retail Portfolio Purchasing

Service Description

Risk & Performance Focus We help lenders purchase retail portfolios while analyzing key risk and performance metrics to optimize value. Risk Assessment: We evaluate loss given default (LGD), probability of default (PD), charge-off trends, and exposure at default (EAD) to determine portfolio quality and potential profitability. Fraud Detection: We assess the possibility of fraud using historical data, underwriting patterns, and market intelligence to reduce exposure. Delinquency Management: We structure and analyze delinquency buckets (1–5 DPD, 6–30 DPD, 31–60 DPD, 90+ DPD) to anticipate roll rates, provisions, and portfolio performance. Portfolio Optimization: We provide actionable recommendations to align purchased portfolios with the lender’s risk tolerance and financial objectives. Keywords: Retail Portfolio Purchasing, LGD, PD, EAD, Charge-Off Trends, Fraud Detection, Delinquency Buckets, Portfolio Performance