CDG Consulting Group

Insight and Innovation Through Information

Our Services -- A Sampling

Risk Management

Risk needs to be understood first and then managed. The levers to balance risk and reward differ by product and customer segment. Knowing when to push and pull can mean all the difference in the world.


The payments landscape is changing rapidly with many new options for your customers. Time to re-think your payments strategy? We can help assess your skills against opportunities to shape planning.


Learning more about your customers leads to understanding and prescriptive solutions tailored to an individual’s needs. Asking the right questions of your data can make all the difference between leader and middling performance.

Customer Profitability

You know intuitively that all customers are not created equal. But do you know which customers you rely on to drive your profitability? And have you figured out how to get more of them? Capturing and retaining your best customers pays huge dividends.

Data Use & Value

Are you getting the maximum value from your data assets? And are you leveraging your data fully across your organization? New entrants are leveraging data in new and creative ways. We can help identify opportunities and gaps when it comes to boosting value from data.

Risk Management

CRM is the roadmap for how you relate to and act on your customers. Customer Relationship Management creates real value for you business — provided you give customers what they want and need. We can help with strategies and tactics to retain your most profitable customers.

Who We Are
What We Do

CDG stands for Customer Driven Growth. Our goal is to combine what you know about your customers with what we've learned that works to build portfolio profitability.
We bring our years of experience to the table to help you leverage client information to find and keep your best customers.
More About Us

Recent Projects

Loss Forecasting

A large bankcard issuer wanted to understand better how credit losses would develop as it grew its portfolio aggressively. We identified major differences in performance by vintage and channel to build a layered loss forecast that they could maintain on their own and factor into future acquisisiton decisions. The new CECL standard will make accurate loss forecasting more important than ever for financial and strategic planning.

Profit Modeling

Several major banks needed help creating customer profit models. We reviewed each product to calculate monthly profit for each customer. Our clients were able to roll up the results to determine each customer’s incremental and total profit. This information can be used to assess returns on each acquisition and on-going marketing investment.

Lead Scoring

Working with a retailer that generates a large volume of leads with a low conversion rate we helped them rank order leads based on likelihood to convert to a sale. Dealing with messy and inconsistent data learnings also focused on scripting and system changes to improve data capture.

Assess the Business

We reviewed and analyzed how a large UK card issuer was acquiring, on-boarding, and managing its customers. We identified a wide range of changes from the number of steps in a web application to existing customer communications and promotions all designed to boost acquisitions and CRM efficiency.

Thoughts From Our Blog

November 9, 2018
International Banks May Avoid CECL

New rules to account for loan loss reserves will come into effect in the coming years. Unfortunately there's a difference between US and international rules. This may lead to some 'creative' bookkeeping.

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October 26, 2018
Debt Levels Continue Increase

NerdWallet's Household Credit survey offers some interesting insights into how people build their levels of debt. It also offers insights into how many households are saddled with different types of debt.

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October 24, 2018
Financial Services Disruption Is The Future

China is on the front lines of financial services disruption. Ant Financial (Alibaba) and WeChat (Tencent Holdings) have changed the game there and they -- or other new entrants -- have an opportunity to do the same in more traditional banking markets.

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October 22, 2018
A.I. In The Workplace

There's been lots of hype about how A.I. -- artificial intelligence -- will change the workplace, largely by doing many jobs and putting people out of work. Some firms are starting with baby steps focused on the most mundane tasks. Where does it go from here?

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October 3, 2018
The Next Mortgage Crisis

Are we destined to repeat past mistakes? For mortgages it seems we can't resist. Some research into the development of the mortgage backed securities market helps provide insight into past mistakes and whether we will repeat them again.

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September 27, 2018
Chase Shutting Down Cards

Chase has been aggressively luring new, high spending customers to its credit card products, particularly the Sapphire Reserve Card. While bonuses have been shrinking there are also stories about Chase closing existing accounts. Why?

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September 26, 2018
New Payday Loan Alternative

Payday lending comes at a high cost to borrowers but it may be the only option available to some. Now US Bank is offering a small dollar loan product that may offer relief to some borrowers but at still a high cost.

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September 26, 2018
CECL Delay For Smaller Financial Institutions

The FASB is proposing to delay the implementation date for the new CECL accounting standard. While practical early adoption may be best for most lenders.

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Get to Know CDG

As you learn more about us we will help you learn more about your business, its strengths and opportunities.
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