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Decision Management
Loan Origination
Customer Management
Debt Collection & Recovery
Fraud Detection & Prevention
SME Loans Management
Credit Risk Management
Credit Portfolio Analysis & Monitoring
Internal Ratings & Scorecards
Basel II - Modeling, Reporting, Stress Testing
Scoring Solutions
Application Scoring
Behavioral Scoring
Collection Scoring
Fraud Scoring
Home / Solutions / Decision Management / Debt Collection and Recovery – Scorto™ Ample Collection

Debt Collection and Recovery – Scorto™ Ample Collection

Empowering credit institutions and debt collection agencies to raise payment rates and increase the efficiency of organizational performance through transparent automation of the entire process of collection and recovery.
Your benefits:
  • Collect more debts from more customers
    Ample Collection enables you to prioritize cases to drive increased collection rates while reducing manual processing through automation of reminders, segmentation decisions and processes and due to the use of the most effective communication channels and messages possible. User-friendly access to relevant customer information combined with process automation allows collectors process 2-5 times more cases than it’s possible current settings and with competitor tools. Pre-defined reports facilitate timely analysis of performance of your collections activities.
  • Manage collections and debt recovery based on customer knowledge
    With segmentation rules, analytical models, combination of multiple data sources and automated tracking of promises to pay in a combined decision flow you are able to apply an optimal approach for each distinct debtors segment. Use a collection strategy that takes into consideration the entire debt situation, including ability to pay vs. willingness to pay, previous customer behavior, expected loss, probability of recovery.

Be prompt to identify high-risk debts for intensive actions while being intelligent to rehabilitate credible customers to preserve future profitability.
  • Balance collection and retention with precise scorecards
    Collectability score, Locator score, and Self-cure score combined with calculations of Probability of Default, and Loss Given Default allows you to separate debts that are not likely to be recovered and accounts that will naturally self-cure themselves from accounts you need to prioritize for immediate processing. This enables a customer level treatment which gives you the ability to resolve delinquencies with good customers earlier and to maintain good relationships with customers that can be profitable in the future. Deployment and adjustment of sophisticated scorecards can be done without IT assistance.
  • Unique combination of tailored decision flow and workflow design in one easy-to-use package
    All the functionality you need available in one place, with a single picture of your collection strategy combined with manual and automated collection actions (from soft to legal collection) you have more efficient centralized control on the entire process: less tools to learn; less integration (which helps you to reduce costs); reduced write off rates; and retention of good customers.

  Why you need Scorto™ Ample Collection

  • Because bad debts do not necessarily mean bad customers! These should be addressed in the most efficient and effective way to reduce write-offs, provisioning, and the loss of valuable clients.
  • Because acquisition costs can increase. So you should carefully select collection actions to keep retention rates high.
  • Because the Cost of Collection does not need to be high in order for you to obtain maximum collection results!

  Sensible
 
  Tailored
 
  Vigorous
Proven collection processes within your organization will be enhanced with better performing tools and automation. Your processes and interfaces replicated with relevant working places, collections strategies and reports.
  Any workflow, any decision flow you need, will be promptly configured. All at a cost which will pay for itself within the first 6 months!
   Automatically select treatment for each individual case. Ensure that all information is thoroughly developed, included, and analyzed.