The Data Analytics Blog

Our news and views relating to Data Analytics, Big Data, Machine Learning, and the world of Credit.

All Posts

[Infographic] Debtor Profiles And Treatment

June 3, 2016 at 1:00 PM

principa_Debtor-Profile-infographic-short.jpg

According to the World Bank, South Africans are the biggest borrowers in the world, with 86% of the population in debt.* And unfortunately, the National Credit Regulator, goes on to state that of the 20 million credit-active consumers in South Africa, 47% are in arrears on their accounts by three months or more, or had judgements against them, or had negative credit ratings on their credit record. ** 

As a credit risk professional, it is imperative to be able to segment your debtors by their propensity to roll and then apply the appropriate treatment by segment to minimise this risk and increase lift in your debt collection strategies.

We've put our team of Collections & Recovery experts to work on a fantastic infographic of Debtor Profiles and Treatment Framework. Our infographic provides:

  • an overview of the attirbutes for the three debtor profiles to enable you to segment them by propensity to roll, and
  • recommended treatments to apply to each (Type, Tone, and Timing of your communication) to increase the yield in your debt collection strategies.

Debtor Profile and Treatment Framework infographic

* "What 10 million South Africans struggling with debt should know," Rand Daily Mail, 8 March 2016
** "SA Debt Measures Back-fire," Fin24, 24 May 2015

Thomas Maydon
Thomas Maydon
Thomas Maydon is the Head of Credit Solutions at Principa. With over 13 years of experience in the Southern African, West African and Middle Eastern retail credit markets, Tom has primarily been involved in consulting, analytics, credit bureau and predictive modelling services. He has experience in all aspects of the credit life cycle (in multiple industries) including intelligent prospecting, originations, strategy simulation, affordability analysis, behavioural modelling, pricing analysis, collections processes, and provisions (including Basel II) and profitability calculations.

Latest Posts

The Top 6 Ways To Improve Motivation Levels In A Call Centre

Staff motivation levels are an important factor in every business, but even more so in a client or prospect facing environment such as a call centre. If your call centre agents are motivated, you can expect them to remain an employee for a longer period of time, reducing staff turnover. This not only saves you a lot of resources for recruiting, but also for training.

The Difference Between A Live Chat and A Chatbot

Most websites or apps lately have a chat function, whether that be a chatbot or a live chat function. But many people (and some businesses) don’t know the difference between the two and aren’t sure when they are talking to (or have installed) a bot or an agent.

How To Get Started With Machine Learning

The benefits have been recounted many times, but now that Machine Learning has the business world’s attention, how does one get started?  Moving into the machine learning space can be somewhat daunting, but we hope this blog post provides some guidance that you will find helpful.