Creditor 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 enhanced recoveries.
Pre/Post-CO Self-Service Payment Gateway	No self-service options available today.	Higher repayment rates with lower operational costs.
Pre-CO Offers & Debt Settlement Strategy	No structured settlement strategy beyond deferment/forbearance.	Increased early-stage recoveries and customer retention.
Policies & Procedures Knowledgebase	No centralized or updated policy library.	Reduced compliance risks and operational inefficiencies.
Tightening Verification & Fraud Protocols	Fraud losses exceed 15 bps for prime/near-prime portfolios	Fraud mitigation and reduced credit losses.
Portfolio & Risk Segmentation Optimization	No risk-based segmentation for collections and pricing	More efficient liquidation and risk-adjusted pricing strategies.
AI & Data-Driven Contact Strategy	No AI-based prioritization in customer outreach.	Improved right-party contacts, reduced costs & increased collections.
Omni-channel Engagement & Digital Collections	Over-reliance on phone-based collections.	Increased borrower engagement and self-service payments.
Portfolio Pricing & Risk-Based Interest Rate Adjustments	No dynamic repricing strategies based on risk shifts.	Higher yields and optimized risk-adjusted returns.
Vendor Rationalization & Contract Optimization	Multiple redundant or costly vendors in use.	Significant cost reductions and efficiency improvements.
Regulatory & 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 within 90 days.

Increase portfolio Net Yield Increase to year 1 Recovery Rate

Reduce Operating Expense Capabilities to support capital raise, M&A, IPO

Who Should Use This Toolkit?

• Fintech Lenders, Credit Unions, and Banks looking to optimize collections, reduce costs, and improve recoveries.

  
  

• Venture Capital Firms investing in creditors that need operational improvements before scale, capital raises, or exits.

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