Debt management

Our consultants build risk analysis models for the entire customer journey to predict arrears probability and enable cost-efficient debt collection.

Deployed in real time, these models inform optimal credit decisioning and resourcing of debt collection by supplying information on:

• Payback probability
• Best channel optimisation
• Operational cost-efficiency

Use our services to:

• Analyse behavioural and credit information
• Evaluate customer propensity for loan repayment by reviewing affordability and detecting fraud
• Reduce delinquency and increase operational cost efficiency
• Decrease defaulters/write-offs and reduce arrears build-up
• Maximise the impact of customer interactions in debt collection
• Predict customer propensity to pay, default, self-cure and write-off
• Score daily with our predictive models

Reduce costs by allocating communications resource according to predicted behaviours and operational constraints:

• Allocate communications investment proportionate to propensity to pay
• Automate triggers for SMS, letter or phone call
• Maintain costs to operationally sustainable fixed amount