Account Decisions - ADEPT Decisions

ADEPT Decisions Platform – Life Cycle Decisions
The ADP Decision Engine provides end-to-end complete customer life cycle decisioning.

Behaviour Scoring Management

ANY data item that is contained within the data dictionary is available for use as a characteristic within any scorecard.
There is no limit to the number of scores that can be calculated within the Scorecard Editor.
Traditional scorecards, regression models and AI models can be added directly into the User Interface or imported from PMML.
Business users can also use the Function Editor to generate new characteristics from raw data contained in the data dictionary.

Collections Life Cycle

Multiple scorecards
Champion/Challenge strategies
Digital communications
Daily refresh of action plans

Example Behaviour Scorecards

Pre-Delinquency Management

Manage accounts that are
pre-delinquent and/or
over limit

Seamless integration with early-stage collections enables consistent treatment

Enables focus on accounts that are up to date, but at a high risk of becoming delinquent this month

Effective champion/challenger strategies, integrated with digital communications:

Prevent accounts rolling into delinquency
Reduce bad debt and collections costs
Focus on prevention creates significant collections benefits

Delinquency Management

ADP Delinquency Management manages accounts that are:

Early-stage delinquent (typically 1-3 cycles)
Late-stage delinquent (typically 4+ cycles – charge-off)

Effective champion/challenger collections strategies can use unlimited scorecard types:

Behaviour scores
Collections scores
Credit Bureau scores
Payment Projection scores

Full integration with Pre-Delinquency Management provides seamless collections strategies across all pre-charge-off accounts

Limits & Pricing Management

Communications Management

Enables the marketing and risk departments to work closely together to maximise customer profitability and proactively reduce attrition/churn

Champion/Challenge multiple strategies

Cradle-to-Grave strategies (e.g. new products)
Scheduled strategies and CRM communications (e.g. birthday)
Loan Top Up (Instalment Loans)
Facility increases (Revolving Credit)
Spend/Utilisation drives (Revolving Credit)
Upgrades (Silver, Gold, Platinum products)
Ancillary products (Credit Life cover, Lost card protection etc.)
Ad hoc strategies (e.g. new mover)

Utilise multiple scorecard types

Attrition
Response
Behaviour
Revenue

Bureaux Management

Enables subscribers to champion/challenge different credit bureaux to determine which provides the best data for their portfolio.
Subscribers can also use different bureaux for different segments of the population.
e.g. younger accounts could be sent to a credit bureau which has the best thin file information.
Primary and secondary bureaux can also be assigned, in case the primary bureau is unresponsive, and failover is required.
Bureaux Management controls the calls to all bureaux and interprets the return data for use in accounts decisioning.

Typical Benefits of Account Decisions Strategies

The ADEPT Decision Engine will typically deliver these benefits which are beyond what a standard Loan Management System can provide.

A Loan Management System will be able to perform some basic scoring and policy rules setting.

Only a decision engine has the true flexibility and functionality to perform complex calculations and make granular assessments. These maximise a portfolio’s results by optimising all performance metrics.

The ADEPT Decision Engine components are all integrated to work seamlessly to run sophisticated A/B tests that will maximise your portfolio’s profitability.