Debt Management

Our consultants build risk analytic 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 debt collection resourcing by supplying information on:

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

Use our solutions 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 defaulters/write-offs and arrears build-up
• Maximize customer interaction impact 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 pay
• Automate triggers for SMS, letter, or phone call
• Maintain costs to operationally sustainable fixed amount

Solution Capabilities

• Automate your debt collection strategy
• Schedule daily batch scoring
• Control fixed costs
• Optimize debt collection and maximize recovery rate
• Deploy customer-centric collections strategies
• Automatically distribute cases to debt collectors
• Reduce costs by optimizing distribution of communication channels