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This is particularly true in India’s credit card market, which grew by nearly 40% from 2003-2004.
ICICI Bank has embraced this change by using decision technology to drive aggressive growth in its credit card portfolios. This second-largest bank in India has quickly become one of the country’s top card issuers since launching its first credit card in 2000.
“We thrive on change. It’s part of our culture; our staff appreciates it and contributes to it,” says Maninder Juneja, risk head of Retail Products at ICICI Bank. “We need technology that supports this. Fair Isaac’s TRIAD™ adaptive control system has more than fit the bill in terms of managing the dynamic growth in our credit card business...
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