What Is Card Yield Metrics?

Truly Unique Insight.

Card Yield Metrics (CYM) estimates the interest rate on each of the credit cards of every consumer. CYM offers granular insight into revolving balances and average daily yield on each credit card. Lenders can use this tool to focus their marketing efforts on consumers with revolving balances and higher interest rates without changing risk parameters.
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What Do We Do?

Opportunities

Offer credit terms preferable to the existing cards in a consumer’s wallet
Target refinance offers to consumers who are likely to benefit from reduced rates or lower monthly payments
Refine retention strategies with greater insight into cardholders’ other options

Why Businesses Need This?

Featured Benefits 

Transparency

Assess interest rates on all cards in a consumer's wallet

Accommodation

Provide Personal Loan limits that will accommodate all of a consumer's higher APR balance

Dynamic Assignment

Assign credit lines based on utilization

Mike Paquin

Mike is a seasoned executive with an extensive career spanning several decades in the financial services industry. Prior to co-founding Ataeva 15 years ago, Mike was the Chief Marketing Officer of Advanta, one of the nations largest issuers of small business credit cards. In addition, he has held key marketing roles at some of the industry’s prominent credit card issuers such as HSBC, Metris, First USA, and Bank One where he demonstrated a track record of driving growth and innovation.

Mike has developed extensive capabilities in data driven marketing and sales. He has been instrumental in shaping high-impact marketing initiatives, optimizing customer engagement, and driving profitability. His outstanding ability to identify profitable customer segments, understand unmet needs, and develop creative strategies has allowed him to make significant contributions across a broad range of opportunities. Throughout his career, he has demonstrated the unique ability to blend marketing acumen with a deep understanding of financial services.

Mike holds an MBA in Finance for Indiana University and a BA in Economics for Bethel University.

Connect With Our Team

Have inquiries or just want to learn how Ataeva can assist your business? We’re here to provide the insights and solutions you need.

Ajay Pillai

Ajay is the co-founder of Ataeva. Prior to forming Ataeva, Ajay was the Head of Analytics and Leader of Main Street Segment at Advanta, one of the largest issuers of small business credit cards. While at Advanta, Ajay guided his team to develop several innovative solutions to complex acquisitions, customer marketing, risk, and collections challenges.

Ajay excels at identifying strategic opportunities, determining effective ways to test new ideas, and leading effective executions that produce profitable results. Prior to Advanta, Ajay lead decision sciences based client engagements at Opera, Inductis and Mitchell Madison Group in the Financial Services, Publishing, Retail and Gaming industries.

Ajay has published several articles and holds a patent in data matching. He holds a MBA from IIM-Ahmedabad and B. Tech. (Electrical Engineering) from IIT Delhi.