The Management of Consumer Credit: Theory and Practice

This revised and updated second edition of The Management of Consumer Credit explains the methods used by financial services organizations to manage their consumer credit portfolios for products such as credit cards, personal loans and retail credit agreements. Using non-technical language, the book is suitable for anyone who wishes to know more about the processes involved in the granting and management of consumer credit.

It covers the theory underpinning credit management and the practices real world organizations use to deliver their products and services to consumers. Topics include: organizational structures, direct and database marketing, campaign management, customer acquisition, customer management, debt collection, ethics, legal issues, credit reference agencies, call centre operation and the VISA/MasterCard networks. Written from an international perspective, the book gives an insight into the world of credit management combining both academic and practitioner viewpoints.

Steven Finlay is an expert in consumer credit with more than fifteen years experience within the financial services industry, working with some of the world's leading financial services organizations. His research interests cover all aspects of consumer credit, forecasting and data mining. He is currently the Head of Analytics at HML Business Intelligence, UK> He is also a visiting research fellow within the Management Science Department, Lancaster University, UK.