Case Study: Chase achieves higher profitability and lower credit losses with FICO TRIAD 8

Chase strikes risk-reward balance with flexible strategy design

Chase, the consumer and commercial banking subsidiary of JPMorgan Chase, needed customer-management strategies that balanced risk controls with marketing goals across its HELOC portfolio. The bank sought a way to move from manual, quarterly processes to more customer‑centric, automated approaches that would improve retention while reducing credit losses, expenses and operational errors.

Using Fair Isaac’s TRIAD® adaptive control system v8—notably the Configurable Decision Area and Blaze Advisor rules—Chase automated and refined early‑warning, retention and line‑management strategies. Monthly execution and targeted actions (blocking just 0.25% of accounts) cut credit losses by roughly 1.5% of monthly losses, raised renewal retention (more than half accepted renewals), reduced manual errors and delivered significant operational and cost savings.

Chase

James Bryant

Vice President, Home Lending Risk Management