Identify 'at-risk' accounts weeks before a missed payment. Models analyze behavioral patterns to flag potential defaults, allowing teams to intervene proactively.
Stop treating every delinquent member the same. Segments portfolios by 'propensity to pay' and automates the right channel selection; from digital nudges to human agent calls.
Ensures every outreach attempt and settlement offer remains strictly within Regulation F and NCUA guidelines. Generates a full, institutional-grade audit trail for every interaction.
By transforming reactive departments into data-driven profit centers, the platform resolves delinquencies before they escalate while maintaining 100% regulatory compliance.
Reduction in Net Charge-Offs by identifying early-stage delinquency risks.
Decrease in operational overhead via automated digital outreach and self-service resolution.
Increase in total accounts managed per full-time employee.
A mid‑sized lender with a 4% delinquency rate moved from manual outreach to Predictive Delinquency Modeling, enabling outreach up to 10 days before due dates for high‑risk accounts and improving recovery outcomes.