Credit & collections analytics

Your credit policy and collection strategy, backed by the numbers.

Analytical Agent helps lenders and credit teams build stronger credit policy, sharper collection strategy, and the analytics.

Where your portfolio stands

One aging report, every bucket, always current.

See exactly where your portfolio sits — current, delinquent, default, or charge-off — sliced by dollars, by account count, or by product.

Current
Delinquent
Default
Charge-off

Where accounts are headed

Watch your portfolio move, bucket to bucket, month over month.

Roll rates show which accounts and dollars are rolling forward into worse delinquency, rolling backward as customers cure, or staying put — the leading indicator most teams only calculate once a quarter.

Current Delinquent Default Charge-off Current Delinquent Default Charge-off This month Next month
Stays in bucket Rolls forward (worsens) Rolls backward (cures) Charged off

Placement, automated

Send the right accounts to the right agency, on schedule.

Portfolio aged accounts Criteria filter DPD · balance · product weekly cycle Agency A Agency B Agency C Performance and liquidation
Criteria

Days past due, balance range, product line, or any combination your policy defines.

Frequency

Daily, weekly, or monthly placement cycles — set once, runs on its own.

Reporting

Agency performance and liquidation rate, compared side by side, cycle over cycle.

The bottom line

Recovery and liquidation rates, calculated the way finance expects.

See how much of placed or charged-off balance actually comes back — by bucket, by agency, by cycle.

Liquidation curve, since placement

0 15% 30% M0 M1 M2 M3 M4 M5 M6
Agency A Agency B

Recovery rate by agency, this cycle

Agency A24.8%
Agency B18.2%
Agency C11.4%

Get in touch

Let's see if this fits your portfolio.

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