Case Study: KeyBank achieves effective credit-line strategies to boost growth and control losses with FICO Analytic Modeler Decision Tree Professional

KeyCorp Banks on Predictive Analytics to Deliver Customer Value

KeyBank, a unit of KeyCorp with about $93 billion in assets, faced the challenge of assigning initial credit lines after acquiring two credit card portfolios. The bank needed strategies that balanced revenue and risk, complied with regulatory and audit requirements, met multiple stakeholder objectives, and supported long‑term goals like improving customer relationships, increasing activity and building loyalty while keeping losses in check.

To meet those needs KeyBank deployed FICO Analytic Modeler Decision Tree Professional, enabling analysts to build, edit and test decision rules while viewing multiple performance metrics side‑by‑side. The tool’s on‑the‑fly what‑if analyses, visualizations and node-level diagnostics helped the team develop highly effective line‑assignment strategies, facilitate stakeholder discussions, show clear side‑by‑side comparisons and uncover ideas for future enhancements—supporting top‑line growth without sacrificing risk control.

KeyBank

Sudha Venkataraman

Predictive Sciences Team Member,Consumer Credit Risk Management Strategic analytics group