Why the first 30 days decide the outcome.
Most files that are going to resolve, resolve early. The ones that don't tend to harden fast, the customer goes cold, the data goes stale, and cost-to-collect stops working. Getting the first 30 days right is the whole game.
Behavioural segmentation
Every account scored on engagement likelihood, channel preference, and resolution pattern, before the first message ever goes out.
Channel-fit contact
SMS for the customers who answer SMS. WhatsApp for the ones who use WhatsApp. Email and voice for the rest. Nobody gets the wrong channel three times in a row.
Adaptive workflow engine
Every interaction feeds the next decision, message, channel, timing, offer. No static cadence, no 'day 7 equals reminder email' regardless of what the customer just did.
Pay-in-message
The pay-in-full or set-up-a-plan button sits inside the message itself, no login, no hunt for a portal, no reason to postpone.
Smart payment plans
Amount and frequency that the customer chooses, feasibility-checked in real time, set up in under two minutes with no manual touch.
Engagement-rate focus
We optimise to response rate and resolution, not to dialling volume. Fewer touches, more listened-to messages.
How a lift is actually engineered.
Lift isn't magic. It's a handful of small, measurable choices applied consistently across a book. We run them as a loop, test, measure, adjust, roll back if needed.
Champion/challenger
A portion of the portfolio always runs a challenger strategy against the current champion. Winners roll out, losers roll back, no ego.
Channel rotation by response
If a customer ignores two SMS in a row, the engine automatically rotates to email or voice before the pattern hardens.
Message timing
Messages go out at the time the customer is most likely to engage, inferred from their own past opens, not a portfolio-wide rule.
Offer calibration
The arrangement terms offered are calibrated to the customer's profile, your business rules, and regulatory constraints, not a single hard-coded minimum.
Plausible ranges, not vanity numbers.
Every portfolio has a different baseline. These are the directional ranges we tend to see once behavioural segmentation and channel-fit contact are switched on.
Get the first 30 days right.
Send us a sample of your portfolio and we'll run a backtest, showing you where the lift would come from before you commit to anything.