Selected Experience in Financial Analysis & Profitability

Managed the partner selection process for a large credit card Issuer looking for a partner to purchase declined applications. Worked with various consumer finance companies to evaluate their operations, assisted bank in preparation of due diligence materials including application and risk data, and managed the negotiation and selection processes.

Assisted a major Scandinavian bank with undertaking a due dillegence process on a significant issuer/acquirer organization that would provide an excellent market entry opportunity by building a detailed financial model based on the information made available during the due dillegence process.

Our client, a motor vehicle manufacturer, was considering launching a credit card. They had been provided with a proposal by a financial institution to provide the issuing service for this ‘white label’ card, and requested that EDC validate the business projections and provide guidance on the specific proposed commercial terms. EDC reviewed the several alternatives proposed for the product features, and provided a competitive analysis of these compared to existing products in the market. EDC then created a model to both validate the proposed financials and provide the client with ability to modify product characteristics and view the resulting profitability impact. A full financial analysis was undertaken, and recommendations included contractual agreements that would result in a more profitable product for the client.