毕博上海银行咨询To-be-Deliverables Chap4_K.pptVIP

4.3.5.9 “To Be” Portfolio Analysis Retail CRMS: “To Be” Process Functional Design 4.3.6 Retail Process Improvements: “To Be” Process Model Retail CRMS: “To Be” Process Functional Design Benefits: Faster loan decisions More efficient, lower cost loan origination Consistency uniformity of credit decisions Improved credit portfolio quality Expanded marketing channel ability 4.3.6 Retail Process Improvements: “To Be” Process Model Retail CRMS: “To Be” Process Functional Design ??: ?? ??? ?? ???? ?? ?????, ?? ??? ?? ?? ???? ??? ?? ???? ?? ? ?????? ?? ?? ??? ??? ??? 4.3.6 Retail Process Improvements: “To Be” Process Model Retail CRMS: “To Be” Process Functional Design 4.3.6 Retail Process Improvements: “To Be” Process Model Retail CRMS: “To Be” Process Functional Design 4.3.7 Retail Score Card Module (includes credit card) Purpose To make loan decisions with improved speed, efficiency, consistency quality Function Computes a statistically validated measure of credit quality using External credit history Internal credit history Key decision factors Uses separate scoring algorithms (score cards) as needed to support separate product types Retail CRMS: “To Be” Process Functional Design 4.3.7 ???? score card ??(???? ??) ?? - ???, ???, ??? ? ?? ??? ???? ?? - ??? ??? ????? ?????? ?? * ?? ?? ???? * ?? ?? ???? * ?? ?? ?? - ??? ??? ???? ?? ??? ?? ??? scoring ???? (score card) ?? 4.3.7 Retail Score Card Module: cont. Users Direct users Branch staff Centralized loan center staff Credit card tele-banking Team Indirect users Consumer Banking Business Unit Risk Management Business Unit Credit planning department Retail CRMS: “To Be” Process Functional Design 4.3.7 ???? score card ?? : ??? - ????? * ??? ?? * ?? loan center ?? * ???? ? - ????? * ?????? * ??????? * ?????? 4.3.7 Retail Score Card Module: cont. Use cases New credit card applications Credit