Managing Risk in Small Business Card Portfolios

The Small Business Card Credit Risk Roundtable helps credit risk professionals navigate the unique challenges of underwriting and managing small business portfolios. Designed for those overseeing acquisition strategy, portfolio performance, and credit policy, the group offers a peer-to-peer forum to discuss everything from data sources and fraud risks to regulatory impact and portfolio optimization.

Members meet regularly to compare policies, performance trends, and emerging tools that support small business growth while managing risk. Proprietary benchmarks allow participants to evaluate portfolio-level metrics—such as transactions, utilization, and write-offs—against anonymized peer data. Members also have access to on-demand custom surveys, enabling quick feedback loops for rapidly changing conditions or market events.

Membership includes in-person and virtual executive meetings, passes to Auriemma Roundtables’ Annual Credit Risk Summit, and unlimited surveys for the duration of participation. Benchmark results are published through the VIZOR platform, offering actionable insights into performance gaps and improvement opportunities.

Who Should Join

Executives who oversee small business credit card portfolios—including credit risk strategy and policy. Ideal for those managing acquisition, fraud prevention, line assignment, and portfolio-level analytics in the small business segment.

Why It Matters

Small business portfolios operate differently than consumer credit products, with distinct fraud patterns, cash flow dynamics, and regulatory oversight. This Roundtable provides an invaluable space for leaders to understand peer strategies, assess credit risk, and strengthen performance in a segment where data and decisioning must strike the right balance between agility and oversight.

Hot Topics:

• Business Verification: Using data to enable consumer-like onboarding experiences for business customers.
• Economic Environment: Trends in the economy and impacts for small business, including regional and industry trends.
• Regulatory Environment: Changes in the regulatory environment and the subsequent impact for small business (e.g., CFPB and Section 1071 of Dodd-Frank Act, FinCEN and beneficial ownership).
• KYC/KYB: Data sources being utilized, and new challenges experienced within the verification process.