Business Context

The Campaigns feature in timveroOS empowers financial institutions to proactively engage clients with targeted credit offers, enhancing both customer experience and portfolio performance. Unlike the standard loan application process, where credit requests are initiated by the customer, marketing campaigns are institution-driven and begin with a pre-selected pool of eligible clients.

This pre-selection is based on predefined attributes, allowing institutions to efficiently filter and target clients most likely to qualify for specific products. By narrowing the focus to relevant segments, the system optimizes operational efficiency—only generating applications, performing scoring, calculating credit limits, and producing personalized offers for those who meet the campaign’s criteria.

Marketing campaigns support a strategic approach to lending by enabling institutions to design specialized credit portfolios. Each campaign is built around the following structure:

• Targeted client group – clients sharing specific financial or behavioral characteristics.

• Eligibility logic – rules defined by the institution to assess financial standing and creditworthiness.

• Product assignment – tailored credit offerings aligned with the client group’s profile.

This functionality helps financial institutions plan and execute data-driven lending strategies. For instance, a bank might deploy a campaign targeting high-income clients with strong credit histories, offering them premium credit cards with elevated limits. Such precision not only improves conversion rates but also strengthens client loyalty through relevant, personalized offerings.