Keep more loans performing through their life
Decision Deck helps lenders manage the loan book after origination.
Spot distress earlier. Adjust exposure before risk compounds. Offer the right support before collections cost rises. Keep policy, treatment and evidence connected across the account lifecycle.
Higher cure rates · lower credit losses · lower cost to serve · stronger conduct evidence.
Detect distress before arrears become the signal
Missed payments are late signals. By the time an account reaches arrears, the lender has less room to act, collections cost is higher and the customer may already be irrecoverable.
Decision Deck identifies accounts moving toward repayment difficulty before the case becomes a collections problem.
Components used
- Predictive models
Use classification, forecasting and sequence models to estimate distress risk over the next 30, 60 and 90 days.
- Behavioural Dynamics ↗
Turns payment timing, utilisation movement, engagement, cash-flow and account behaviour into live distress states.
- Risk Stratification ↗
Separates stable accounts, early-warning accounts, deteriorating accounts and urgent cases.
- Recommendations Block ↗
Selects the next best treatment: monitor, nudge, offer support or route to a specialist.
- Policy Dynamics ↗
Controls which contact, support and intervention options are allowed for each state.
Adjust exposure while the account is changing
A limit set at origination may not suit the customer over time. Some can support more credit, while others show signs that additional exposure would create avoidable risk.
Decision Deck treats limit and exposure as live decisions.
Components used
- Behavioural Dynamics ↗
Reads whether the customer is stable, improving, stretching or deteriorating.
- Risk Stratification ↗
Separates customers who can support more exposure from those where the limit should hold, reduce or pause.
- Recommendations Block ↗
Selects the exposure action: upsell, cross-sell, hold, reduce or reshape.
- Policy Dynamics ↗
Keeps exposure changes inside risk appetite, affordability rules and customer treatment constraints.
- Evidence Vault ↗
Records why the limit action was taken and what alternatives were considered.
Turn early arrears into the right treatment path
Early arrears are often treated too bluntly and one size does not fit all.
Decision Deck matches the arrears case to the treatment most likely to change the outcome.
Components used
- Behavioural Dynamics ↗
Shows whether the customer is drifting, temporarily stressed, disengaging or recovering.
- Recommendations Block ↗
Selects the treatment route: reminder, soft contact, payment arrangement, forbearance, specialist support or escalation.
- Case Triage ↗
Routes human attention to cases where judgement or contact can change the result.
- Policy Dynamics ↗
Controls contact frequency, treatment eligibility, forbearance rules and escalation limits.
- Evidence Vault ↗
Records the reason for treatment selection, the customer state and the policy behind the action.
Make forbearance and restructuring more precise
Forbearance can protect value when it is offered to the right customer at the right time.
Decision Deck identifies when a customer needs a restructure assessment and whether a sustainable path exists.
Components used
- Predictive models
Estimate ability to recover, re-default risk, expected loss and likely payment-plan adherence.
- Simulation
Tests different arrangements before commitment: term extension, payment pause, reduced payment, interest adjustment or restructure.
- Recommendations Block ↗
Selects the support option that fits the customer’s state and the lender’s rules.
- Policy Dynamics ↗
Defines when forbearance is allowed, required, restricted or needs specialist review.
- Exception Handling ↗
Catches cases where normal treatment is unsafe, inconsistent or outside policy.
Treat vulnerability as a live journey, not a note
Vulnerability is often captured as a flag, a note or a queue marker. That does not tell the lender what to do next.
Decision Deck turns vulnerability into governed states and allowed actions.
Components used
- Behavioural Dynamics ↗
Detects changes that may indicate financial difficulty, stress, disengagement or support need.
- Predictive models
Estimate vulnerability likelihood and the risk of harm if the wrong treatment is applied.
- Policy Dynamics ↗
Defines what is allowed, restricted or required for each vulnerability state.
- Case Triage ↗
Routes cases to specialist teams when human judgement or care is needed.
- Evidence Vault ↗
Records the state, signals, policy, treatment decision and any human action.
Keep collections effort focused
Collections teams waste time when every case gets the same resource. Some customers will self-cure. Some need help. Some need a different repayment path. Some need escalation.
Decision Deck helps collections teams focus on cases where action can change the result.
Components used
- Forecasting models
Estimate cure probability, roll-rate risk and likely response to treatment.
- Risk Stratification ↗
Separates low-touch, assisted, high-risk and specialist cases.
- Recommendations Block ↗
Chooses the treatment route and contact strategy.
- Case Triage ↗
Prioritises worklists by urgency, value and likelihood of impact.
- Policy Dynamics ↗
Keeps collections action inside conduct, contact and forbearance rules.
Make policy change safer across the book
Small servicing and collections policy changes can move a lot of money. Policy control can uncover opportunities and risks in advance.
Decision Deck tests policy change against decision evidence before it reaches the live book.
Components used
- Policy Dynamics ↗
Versions policy and supports controlled rollout, rollback and comparison.
- Simulation
Tests proposed changes against historical decision populations and current account states.
- Predictive models
Estimate likely impact on cure, roll rate, loss, exposure, review volume and customer outcomes.
- Monitoring
Tracks what changed after deployment and where results differ from expectation.
- Evidence Vault ↗
Links each decision to the policy version active at the time.
Improve the performance of the book after approval
Decision Deck helps lenders act earlier, treat customers more precisely and reduce losses before problems harden.
Use it to manage exposure, distress, forbearance, collections and policy change with stronger control.