Co-owner of a debt collection company

Director of Operations

Head of Controls and Analysis Team

President of a debt collection company

Debt Collection Marketing Manager

Manager of the IT Department

PS VINDICATIO ///  Debt collection made better

Key benefits

More precise valuation of recovery for packages of debts

z Application of knowledge gained with previous cases. z Predictive models that estimate similarity of new and old cases. z Adequate reference package available.

More precise planning of the level of recovery

z Control of costs and efficiency of various scenarios of the debt collection process.

z Estimation of recovery value with empirical curve determined by a reference package

Faster payments

z Predictive models that estimates the probability of any payment. z Rules that assign reduced action scenarios in cases that require an individual

approach. z Actions assigned to a case based on efficacy criteria analysis. z Intensification of activity in the first weeks of case handling based on a

predictive model

Increase average level of recovery

z Amicable debt collection handling using the Next Best Action model. z Continuous measurement of efficiency of action scenarios. z Estimation of scenario chance of success using a predictive model. z Management of modification of a scenario assigned to a case. z Automated calculation of models:

z probability of any payment after 30/90/180 days of handling, z estimated debt value in 30/90/180 days

Reduce costs of package handling

z Predictive model that identifies self-payers. z “Freezing” of cases with low probability of any payment as estimated with

a ready-made predictive model. z Matching the most effective recovery strategy. z Identification and elimination of activities redundant in amicable debt

collection

2www.predictivesolutions.pl PS VINDICATIO ///  Debt collection made better

Safe implementation of new scenarios

z Model of efficiency of an action scenario that estimates values using similar cases.

z Debtor profiling using analytical recommendations of the Champion/Challenger model.

Faster implementation of actions

z Dedicated case handling system integrated with an analytical engine z Interfaces to manage group work. z Analytical data model dedicated to debt collection purposes.

Increased plan implementation control

z Monitoring of recovery efficiency in wallets, strategies, and action scenarios.

Faster implementation of modifications in scenarios

z Continuous monitoring of scenario efficiency with the Champion/Challenger module.

z Consideration of conditions imposed by a debtor action management system. z Identification of the optimum, best suited amicable action scenario

Safe management of action scenarios and debt collection team workload control

z Adjusting action to the case based on factors that affect efficiency of amicable procedures:

z case difficulty z experience of the consultant z efficiency of the consultant z capacity of the consultant z selection of actions and communication channels z call-centre capacity z Best Time To Act recommendations

z Operational division of actions based on costs of implementation and capabilities of operational departments responsible for contact with the debtor.

z Dedicated interfaces to manage multi-staged case handling scenarios.

3www.predictivesolutions.pl PS VINDICATIO ///  Debt collection made better

Predictive Solutions (former SPSS Polska)

Twenty five years of experience in building analytical IT solutions that help businesses increase income, reduce costs, and limit risk.The only provider of the SPSS technology in Poland in 1992 – 2009. Since 2009: IBM Premier Business Partner.

Predictive Solutions products registered with IBM – PS AML, PS ACRM, PS FRAUD, PS VINDICATIO, PS IMAGO PRO, PS QUAESTIO PRO – combine:

z IBM SPSS analytical technologies, z predefined sector-specific content (data structure, analytical models, process), z and Predictive Solutions own components, as a result of experience of many

implementation projects.

Predictive Solutionsul. Racławicka 58 /// 30–017 KrakówT 12 636 96 80 /// f wew. 102

4www.predictivesolutions.pl

PS VINDICATIO © Copyright Predictive Solutions Sp. z o.o. [formerly SPSS Polska], 2014 ‒ 2016 ///  PS ACRM, PS AML, PS CLEMENTINE PRO, PS FRAUD, PS IMAGO PRO, PS QUAESTIO PRO, PS TUTELA PRO and PS VINDICATIO are trademarks Predictive Solutions Sp. z o.o. ///  IBM SPSS © Copyright IBM Corporation, 2000 – 2016 /// Mapy Polski © Copyright Emapa, 2007 ‒ 2016

PS VINDICATIO ///  Debt collection made better