Posts by Jackie Maybaum

Jacqueline Maybaum is a senior business consultant with Experian’s Global Consulting Practice. Maybaum has 21 years of credit risk-management and marketing experience in the financial services industry. She has an impressive track record of generating revenue and mitigating losses for her clients through her hands-on experience driving credit risk, marketing, collections and high-risk account-management strategies for some of the world’s largest financial institutions.

Her consumer-lending experience spans multiple products, functions and disciplines. They include unsecured revolving credit; closed-end unsecured and secured lending; marketing; research and analytics; finance; and collections. She anticipates her clients’ needs, provides innovative targeted marketing ideas and easily articulates the business reasons behind her proven strategies. She also provides clients with the information required to win buy-in from their internal constituents.
 
Employing techniques such as global benchmarking and analyzing internal and external data sources, Maybaum assists clients in identifying customers to target and the relevant rewards programs to offer them to generate the highest returns. She also focuses on analytics and marketing strategies that drive profitable new-customer acquisitions for clients. For their existing customers, she recommends options that they may not have considered previously. She uses precision segmentation and targeting, risk-management assessment and dynamic delivery of personalized, relevant offers and treatments in identifying those options.
 
Maybaum encourages open dialogue because consultants can furnish a different perspective to a business challenge that can spark solutions that may differ form the norm. This is especially true as clients navigate through regulatory changes and return-to-growth strategies after the last economic cycle.
 
She credits her two decades with Citibank, JPMorgan Chase and several regional financial services institutions for her in-depth understanding of how to address many of the challenges her clients confront today. Previously, Maybaum was Senior Vice President in the retail cards group at Citibank, where she led the High Risk Account Management Team and was responsible for segmentation and account-management strategies for high-risk assets.  At Citibank, she also managed Existing Customer Balance Build Programs and Risk-Based Marketing initiatives including Balance Transfer Programs, Line Management and High-risk customer communications (Marketing) functions.
 
Maybaum earned a Bachelor of Business Administration in finance from Hofstra University.

Continued Evolution of Credit Card Risk and Market Trends

Consumer credit card debt has dipped to levels not seen since 2006 and the memory of pre-recession spending habits continues to get hazier with each passing day. In May, revolving credit card balances totaled over $790 billion, down $180 billion from mid-2008 peak levels. Debit and Prepaid volume...read more

Prepaid Reloadable - Will Card Issuers Lose Big?

This week, American Express unveiled a new payments offering that will surely compete with not just other prepaid options, but will impact debit and credit sales volume as well.The prepaid card offered by American Express carries no fee for activation, reloading or lost card replacement. The card...read more

Precision Targeting Today and Tomorrow

The end of 2010 was a transitional time for credit card lenders.  Card issuers were faced with the need to jump-start “return to growth strategies” as a result of diminished profits stemming from the great recession and all of the credit tightening actions deployed over the last two years.  ...read more