Tim Kolk, credit card portfolio expert, discusses the keys to creating, building and maintaining a successful credit card portfolio. 

Timothy Kolk, President of TRK Advisors, brings over two decades of experience in the credit card industry, including previous positions of Managing Partner at Brookwood Capital and head of Finance for M&T Bank’s credit card program. He has analyzed hundreds of credit card programs and is considered a leading expert on credit card program design, portfolio optimization techniques, processing system evaluations, marketing plan development, new program start-ups and program profitability & performance management.