Creditor Loss Mitigation Toolkit
Unlock Immediate Portfolio Growth & Operational Efficiency this toolkit delivers high-impact, consumable 3-month projects to drive measurable financial and operational improvements.
Initiative
When to Use
Expected Impact
Debt Sale, Legal, Pre-Legal Strategy
No debt sales or legal actions in the last 12 months
Improved liquidation and recovery rates
Pre / Post Charge-Off (CO) Outsourcing
Not currently outsourcing collections
Cost savings and increased recoveries
Pre / Post CO Self-Service Payment Gateway
No Self-Service options available today
Higher repayment rates with lower operational costs
Pre-CO Offers and Debt Settlement Strategy
No structured SET strategy beyond defer/forbearance
Increased early stage recoveries and customer retention
Policies & Procedures Knowledgebase
No centralized or updated policy library
Reduced compliance risk and operational inefficiencies
Tightening Verification & Fraud Protocols
Portfolio & Risk Segmentation Optimization
Fraud losses exceed 15 bps in prime / near-prime
No risk-based segmentation for collections
Fraud mitigation and reduced credit losses
More efficient liquidation and risk-adjusted pricing
AI & Data-Driven Contact Strategy
No AI-based prioritization in customer outreach
Improved RPCs, reduced cost and increased collections
Omni-Channel Engagement and Digital Collections
Portfolio Pricing & Risk-Based Interest Rate Adjustments
Over-reliance on phone-based collections
No dynamic repricing strategies based on risk shifts
Increased borrower engagement and self-service repayment
Higher yield and optimized risk-adjusted returns
Vendor Rationalization & Contract Optimization
Multiple redundant or costly vendors in use
Significant cost reductions and efficiency improvements
Regulatory and Compliance Stress Testing
No structured CFPB / state law compliance testing
Enhanced regulatory readiness and risk mitigation
Each module is a self contained initiative designed to achieve meaningful results in 90 days.
Increase Portfolio Net Yield
Reduce Operating Expense
Increase Year 1 Recovery Rate
Capabilities to support Capital Raise, M&A, IPO
Who Should Use This Toolkit?
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Fintech Lenders, Credit Unions, and Banks looking to optimize collections, reduce costs, and improve recoveries.
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Venture Capital Firms investing in creditors that need operational improvements before scale, capital raises, or exits.