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FICO® TRIAD® Customer Manager

Proven strategies and solutions for customer portfolio management.

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Enhance customer relationships. Make your business goals a reality.

FICO helps automate and deliver better customer experiences and real business results for top organizations — across industries and around the world.
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Increase in portfolio size
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Reduction in loan-loss provisions
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Reduction in bad debt
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Increase in average account balance

Flexible data-driven decision-making.

The key to customer relationship growth and profitability is making decisions that continually — and quickly — strike the best balance between customer satisfaction, risk, revenue, and cost. FICO delivers a precise level of control in automated relationship decisions with agile capabilities that forecast customer behavior and rapidly turn those insights into effective real-time actions for your organization.

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Holistic customer management

Customer-centric organizations throughout the financial services, telecommunications, and retail industries rely on FICO® TRIAD® Customer Manager to make the right decision at the right time for the optimal customer experience. With champion/challenger testing, you can drive continuous improvement in portfolio management decisions for both credit and deposit products. That’s why over 65% of worldwide customer credit card decisions are automated and improved with TRIAD Customer Manager. 

Why FICO? Our TRIAD Customer Manager software leverages FICO’s 20+ years of continuous product innovation and our 60+ years of pioneering work in predictive analytics and decision management. TRIAD clients benefit from our intellectual capital, which is embedded in the analytics and delivered through strategy consulting — and available only at FICO.

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Custom keys

Your customers are different from your competitors’ — and your customer database contains insights that the competition cannot know or utilize. TRIAD Customer Manager creates custom decision keys based on your unique customer data so you can identify and quickly explore these differentiating customer characteristics, giving you a competitive edge when it comes to customer relationship management. Leveraging your data helps segment customers and tailor their handling and services accordingly.
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Event areas

TRIAD Customer Manager uses scheduled monthly automation, tied to billing cycles. However, TRIAD Custom Event Triggers can also employ TRIAD Customer Manager situationally in response to internal or external events. For instance, you can create event-triggered marketing offers in response to a customer’s most recent activity, which significantly improves customer response, product penetration, and customer experience. TRIAD Customer Manager can also adjust collections strategies based on customer actions and/or adverse conditions (such as those reported in credit reports).
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Decision areas

Typically, TRIAD Customer Manager is initially implemented to manage risk for a single (or multiple) product(s). It’s most frequently used to assign credit limits or determine whether to approve card transactions. However, our predictive analytics can also be put to work profitably in other customer decision areas and processes – such as determining the best collection strategy, targeted email marketing, or promotional offers.

FICO® TRIAD® Customer Manager, powered by IBM Z

Learn more about how FICO® TRIAD® Customer Manager has powered over three decades of customer relationship growth and profitability with IBM Z.
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FICO Xpress Optimization Innovation Day 2025

Join us for a dynamic and forward-looking event focused on cutting-edge strategies in enterprise optimization. This session will explore how organizations are leveraging the power of Generative AI to drive innovation, efficiency, and decision-making at scale. This event is designed to inspire ideas, spark candid conversations, and explore practical paths for optimization leaders.
Register now
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Related resources

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Smarter decision-making and more profitable customer relationships

Deepen customer relationships and grow your portfolio with advanced decision-making strategies. Contact us to put these powerful TRIAD capabilities to work.
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