IMPROVING COLLECTIONS OPERATIONS with Data-Driven Portfolio Scoring

An effective scoring strategy acts as a compass, leading you to better predict which consumers in your debt portfolio have the highest likelihood and ability to pay.

MITIGATE RISKthrough less calls, less liability

YOUR BUSINESS STRATEGY BUILT AROUND PREDICTIVE ANALYTICS

As operating expenses increase and regulations tighten, agencies are looking to automate operations for greater efficiency and profitability.

THE FUTURE OF COLLECTIONS

ALL DEBT TYPES within 12 months

MEDICAL ACCOUNTS

TELCO AND UTILITY

BANKCARD

RECOVERY SCORES ARE AVAILABLE FOR TESTING AND VALIDATION on portfolios through retrospective

analyses. Click the button below to take the next step on the road to recovery.

Sources:1. “Collection Agency Operations and Technology Survey”, BillingTree, 2016.

2. Verified in the last 6 months, TransUnion Consumer Credit Database, June 2016.3. TransUnion’s Q1 2016 Industry Insights Report. Year ending 3/31/16. Year-to-date numbers as reported by third-party

collectors and debt buyers.

DOWNLOAD THE FREE INSIGHT GUIDE

NEW TECHNOLOGIES enhance collections effectiveness 1

2

3

CLIENT EXPANSION

COST REDUCTION STRATEGIES

TOP 3 PRIORITIES AS RANKED BY ARM RESPONDENTS IN 2016 SURVEY1

$28.58 BYTD Q1 2016

$148.92 B Third-party accounts

152.16 M In third-party collections

COLLECTIONS INSIGHTS

IDENTIFY THE BEST ACCOUNTS

1

2

3

4

PRIORITIZE INVENTORY by propensity to pay

BALANCE

TOTA

LN

EW

Number ofACCOUNTS

50

40

30

20

10

0

PRIORITY LEVEL

D

5%

Bot

tom

30

%

C

13%

Mid

dle

30%

B

36%

Top

30%

of

rem

aini

ng in

vent

ory

A

47%

Top

10%

of

scor

ed a

ccou

nts

Per

cent

of

mo

ney

reco

vere

d

SCORING RESULTS SNAPSHOT

Use a Recovery Model that considers behavior by account type

INCREASE PROFITABILITYby collecting more, faster

Rank propensity to pay with broader data sets & recent economic conditions

Recover more with the same resources by prioritizing your accounts and focusing your most skilled agents on those with highest propensity to pay

IMPLEMENT A SCORINGSTRATEGY AS THE BACKBONEOF OPERATIONSNew data and technology can help

WHAT IS THE ROAD TO RECOVERY?

DIFFERENTIATE BETWEENCAN’T PAY & WON’T PAY

Leverage new predictive risk and recovery scores to:

Abilityto pay

Likelihood to pay

SKILLEDAGENTS

Gain a deeper view into consumer behavior using historical trends and credit characteristics with the strongest signal

Collections by the Numbers3

64.7 MU.S. consumers with one or

more current collection tradeline2

39.53 MYTD Q1 2016

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