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.

* "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