麦肯锡公司简介McKinsey-info-Sobre-Cobranza.docxVIP

The collections transformation journey ( /business-functions/risk/our-insights/going-digital-in-collections-to-improve-resilience-against-credit-losses) In response to rising delinquencies, shifting consumer preferences, and the current regulatory environment, leading financial institutions have begun a journey of digital transformation in collections. Borrowing heavily from successful approaches used in other parts of the business, they are investing in advanced analytics, digital channels, advanced collector capabilities, and next-generation collections strategies. Recognizing that it takes time to design, build, test, and implement such strategies, these leaders have inaugurated transformation efforts with 12 months or more set aside for completion. We have observed four effective constituent actions: 1. Strengthen segmentation capabilities with advanced analytics With rising delinquencies and resource limitations, institutions need better segmentation and fewer customers referred for personal attention. Analytics can improve segmentation efforts and enable tailored contact strategies. As institutions perfect their enterprise data warehouse and advanced-analytics capabilities, they are discovering that more can be done with what they already have in the meantime. Regulators have lately welcomed analytics applications that allow issuers to improve customer differentiation and tailor contact and collections strategies. The approach has generated better outcomes for customers. Issuers can maximize the number of customers that pay on their own initiative (self-cure) with? analytics-based targeted digital campaigns?for those in early delinquency or even predelinquency, while using the customers’ preferred digital contact channels. Furthermore, unresponsive accounts that fit the profile for fraud can be filtered out more rigorously and sent to a separate treatment queue. 2. Develop effective omnichannel orchestration Digital-first customers inhabit an app-based world