Uplifiting Overdue Collection in Retail Debt

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A global accounts receivable management company wanted to optimize the collection of overdue credit card balance for a Fortune 500 retail firm. Headquartered in US, the retail corporation is among the top 10 in the country and issues their own branded credit cards to the members of its loyalty program. Consumers purchasing through these store-credit cards are rewarded with upfront dis- counts, extended exchange periods, free shipping, and so on.

Each year, an estimated 25,000 consumers accrue a cumulative debt ranging between USD 40 to 45 million, in overdue payments. The retailer’s receivables management partner wanted to adopt a data-driven debtor contact strategy that would increase collections without additional manpower costs.


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