Collections decisions your team can change in one place

Vendor settings hold the strategy, and promises are notes to check. Decisimo puts treatment and promise follow-up in one editable place, and your contact tools keep contacting.

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Where collections decisions sit today

Vendor settings

Only the provider can change the collections strategy

Monthly spreadsheet

Someone copies its contents into the collections suite

Promise notes

An agent writes down what the customer agreed to

Payment checks

Someone must remember to look for the payment

Treatment testing

Trying another approach starts with a project

Treatment reasons

No record explains why the account got that treatment

One overdue account, from first decision to broken promise

  1. Account data arrives

  2. Recovery score

  3. Treatment decision

  4. Contact

  5. Promise recorded

  6. Payment window passes

  7. Broken promise task

The treatment comes from a table the team edits

  • Table columnsDays past due and risk band match rows to treatment and channel.
  • Match orderThe last matching row wins, or the first can win instead
  • Recovery scorecardBins and points produce a score whose band feeds the table.

Build a recovery scorecard

Recovery scorecard shows score 35 and a high band; highlighted row maps 31–60 days to a phone call
A scorecard band feeds a table mapping days past due and risk band from SMS reminder to recovery referral in this demo case.

A promise to pay that checks itself

  • Follow-up conditionsIt waits until the promise is older than 72 hours and payment is missing.
  • Core system updatesThe lender's core system posts each payment to the open case
  • Collector taskThe role's inbox lists it by due date and flags it when overdue

Track a promise to pay

Promise to pay at hour 0; after 72 hours without payment, a Broken promise task goes to Senior collector, due in 24 hours
An hour 0 promise stops follow-up if paid before 72 hours, or wakes a case at 72 for a Senior collector task due in 24 hours.

Test a new treatment on a share of accounts

  • Lender's splitA fork routes accounts by the value sent with each account.
  • Bounded rangeThe champion takes the rest, including accounts with no value
  • Team-edited copyThe team copies the table. A person approves the assistant's fork.

Champion and challenger

Fork routes A-1042 (split 0.07) to the challenger; A-1041, A-1043, A-1044 and A-1045 to the champion
A fork routes A-1042 at 0.07 to challenger and other accounts, including one without a split value, to champion, a demo case.

Why an account got its treatment

  • Scorecard pointsSee each predictor's points and the total score.
  • Matching rowExpected and actual values show why it matched.
  • Treatment writtenAn agent opens the trace on the case to see the treatment and channel.
Account A-1044 trace shows score 35, row 4 matching 31–60 days and high risk, with Call treatment by Phone written
A-1044’s trace shows score 35, row 4 matching 31 to 60 days and high risk, then a phone call written in this demo case.

What stays with the lender's contact tools

  • Dialling, SMS and emailYour existing contact tools handle each one.
  • Payment links and paymentsYour existing tools handle links and payment collection
  • Days past dueThe lender's system sends the figure with each account.

The team changes the strategy itself

  • Table and scorecardEach save creates a revision.
  • Per-account decisionsEach account is re-evaluated when data arrives or its case wakes
  • Promise follow-upTasks and conditions make up the pattern, and the team can change them

Explore case work

Questions we get asked

What is collections decisioning?

Collections decisioning uses days past due and a risk band to choose an account's treatment and contact channel. Decisimo uses a decision table and recovery scorecard to make those choices.

Does collections decisioning replace my collections suite or dialer?

Decisimo leaves your collections suite and dialer in place for contact. It selects the treatment and channel, and your tools make contact.

How do I track a promise to pay?

The promise is recorded on the account's case, and each payment updates the open case. If 72 hours pass with no payment, the case wakes and creates a task for the named role.

How does treatment change as days past due increase?

The decision table matches days past due and risk band to a treatment and channel. See collections stages

Put one treatment into a decision table

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