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