The intelligence layer for
your credit card portfolio
Synacore sits on top of the data warehouse you already run and turns 100,000s of cards into a decision you can act on this morning — profitability, risk, and the next campaign to launch.
Portfolio Profitability & Growth
Cards Division · Daily View
30-day daily spend
Profitability tiers
Four views of one portfolio
Everything a cards division checks in the morning — computed from your own data, ranked, and ready to act on. No spreadsheets, no waiting on a quarterly deck.
Portfolio Health
A daily morning dashboard — cards by product, active vs. dormant, total spend and utilisation, limit- and spend-revolve rates, and a day-over-day trend that's ready before your coffee.
Renders on load · as of todayCustomer Profitability
A deterministic annual P&L for every card — interest, interchange and fees, minus funding, rewards, servicing and expected credit loss — ranked and tiered Star, Profitable, Break-even or Loss-making.
Per-card · fully deterministicRisk & Delinquency
DPD derived in code from real payment behaviour — current exposure by bucket, a roll-risk watchlist with plain-language reasons, and Base / Mild / Severe stress scenarios with IFRS9-style provisions.
DPD buckets · stress scenariosGrowth Campaigns
AI reads the profitability of every account and designs targeted campaigns — grow your best with limit increases and upgrades, lift your weakest with reactivation and balance-build offers — naming the exact cards to target.
AI-designed · targeted by cardFrom warehouse to decision
Synacore connects to the infrastructure you already trust and adds intelligence on top — it doesn't ask you to migrate anything.
Connect your warehouse
Point Synacore at the card book already sitting in Teradata or Oracle Exadata — products, limits, transactions and statement cycles. Read-only, no migration.
Models compute the truth
Deterministic financial models calculate profitability, utilisation, revolve rates and delinquency directly from the data — the same number every time, fully auditable.
AI turns it into action
On top of the numbers, AI proposes the campaigns worth running and the customers to target — so the morning dashboard ends in a decision, not a chart.
Deterministic finance you can trust. AI where it adds leverage.
Numbers a regulator or a CFO can sign off on shouldn't be guessed by a language model. Synacore draws a clean line between the two.
- Every figure is computed, not predicted. Profitability, DPD and provisions come from explicit models, so they're reproducible and auditable.
- AI is scoped to where it helps. It reads the verified numbers and designs growth campaigns — it never invents the financials underneath.
- Built for the book you already have. Works on your existing warehouse, scales from a sample to the full portfolio, and respects the credit limits and masking you run today.
See it on your portfolio
We're building Synacore with retail-banking card teams. If turning your warehouse into a daily decision sounds useful, we'd love to talk.
hello@synacore.co