Case Study: UNICRE achieves 10% balance growth and 30% fewer 3‑cycle delinquencies with FICO TRIAD Customer Manager

Better risk control helps Portuguese card issuer stay on top

UNICRE, Portugal’s largest card acquirer and a leading credit-card issuer, faced intensified competition from banking deregulation and a slowing economy that threatened revenue growth and risk control. The company needed a way to stay competitive, contain losses and adapt credit and collections policies as conditions changed.

UNICRE implemented FICO® TRIAD® Customer Manager to automate credit-line and collections management for a 250,000-customer portfolio. Within the first year the solution drove a 10% increase in balances and a 30% reduction in 3-cycle delinquencies, while improving operational efficiency and customer communications through flexible, targeted strategies.

UNICRE

Felismina Pinto

Deputy Manager