Roll Rate Optimization


OUR SERVICES

Analytics
Customer Acquisition
Customer Management
Collections & Recoveries
Analytics Dashboard
Credit Risk Underwriting
Roll Rate Optimization
Recovery Optimization
Staff Augmentation
Growth & Retention
Legislative Impact
Financial Services Consulting

OUR CUSTOMERS

Credit Card & Retail Credit
Mortgages and Home Equity
Retail & Small Business Deposits and Loans

Roll Rate Optimization

Realize your greatest returns with one brilliant investment.

Within the financial services sector, one of the greatest casualties of the current economy is your credit card delinquency rate. Losses are high—and getting higher.

The situation is expected to get worse before it improves, resulting in more delinquent accounts.

This provides a challenging environment for the companies, as they wonder:

  • “How can I better optimize our already-constrained resources to prevent increased defaults?”
  • “What new and aggressive strategies can be adopted?”
  • “Given the current economic environment, is extra effort going to prevent or reduce the default rates?”

Clearly, the increased delinquent volume is a drain on the existing resources and less attention can be paid to those customer segments to focus on, which strategies to adapt, which accounts/customers to refer to 3PDM agencies, the optimal settlement offer, and which segments are not worth the investment of valuable resources.

…You’ll reap the rewards.  

The Collections Roll Rate Optimization Solution will identify the following:

  • Definition of customer segments where specific strategies/offers are more applicable or useful
  • Segments that need to be referred to 3PDM agencies
  • Segments requiring most aggressive offers
  • Segments that are not worth investing resources 

As length of delinquency increases, the cure decreases

Roll Rate optimization box chart

 

We have the resources and the know-how…

Our team uses data-driven methodologies to deliver the strategies and offers to the customers. Using your data, we build targeted statistical models and use optimization and simulation techniques to maximize the impact of the proposed strategies. We understand the data that is needed to build this system, the design that will be the most successful, and the process that needs to be followed so that this can become an ongoing best practice for the client organization.