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 decision-making and debt collection resourcing by supplying information on:

• Payback probability
• Best channel optimization
• Operational cost efficiency

Use our services to:

• Analyze behavioral and credit information
• Evaluate customer propensity for loan repayment by reviewing affordability and detecting fraud
• Reduce delinquency and increase operational cost efficiency
• Decrease defaults/write-offs and reduce arrears build-up
• Maximize 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 behaviors and operational constraints:

• Allocate communications investment proportionate to a customer's propensity to pay
• Automate triggers via SMS, mail/email, or phone
• Maintain costs according to an operationally sustainable fixed amount

Solution Capabilities

• Predict who will pay, default, self-cure, and write-off
• Automate your debt collection strategy
• Schedule daily batch scoring
• Control fixed costs
• Optimize debt collection
• Maximize debt recovery rate
• Deploy customer-centric collection strategies
• Automatically distribute cases daily to debt collectors
• Reduce costs by optimizing communication channel distribution