arum IQ
Decision intelligence for collections and recoveries.
Analytics, segmentation and scoring as a service.
Your data already holds the answers. Who can pay but isn't paying. Who can't pay and needs help. Which accounts are worth the cost of court. arum IQ scores every account to answer those questions, with reasons you can show a regulator.
ROI from the highest-scored litigation accounts at a UK utility
“Partnering with arum has been a turning point for us. Their use of advanced analytics and predictive modelling has allowed us to really understand customer behaviours and trends.”
What arum IQ is
Decisions, not dashboards.
Collections analytics as a service is the practice of turning your own data into account-level scores and next-best-action decisions, with reasons you can evidence to a regulator.
arum IQ is arum's data and analytics service for collections and recoveries. It combines named scores and models, including the Financial Vulnerability Score, Litigation Selection Score and debt sale models, with segmentation, reporting and collections expertise.
Every poor decision has a cost: wasted effort, court fees that don't come back, or customers treated the wrong way. The aim isn't more reporting. It's better, more consistent and more explainable outcomes for each account.
Part of Optimise. See all three ways we make your technology, AI and data work harder.
How it works
From data to decisions in three steps.
- 01
Data in
Account, arrears, engagement, treatment and operational data, plus relevant external signals, in one view of each account. - 02
Intelligence
Collections-specific scores, segmentation and decision rules, monitored and refined, with transparent reasoning so teams see why, not just what. - 03
Outcomes out
Treatment paths, priorities, next-best actions, debt sale selections, operational MI and board reporting that operations, leadership and regulators can follow.
Scores and models
Scores and models for the decisions your team faces.
Use one score or model, combine several, or access the full decision intelligence service.
| Score / model | What it tells you | Why it matters |
|---|---|---|
| Financial Vulnerability Score | Who may be in financial difficulty and need support | Vulnerability isn't always visible from arrears. Find it earlier and evidence how you treated it. |
| Litigation Selection Score | Which accounts are likely to repay through legal action, and which should be protected from it | Many organisations take too many accounts to court. Cut court costs and protect vulnerable customers. |
| Propensity to Pay | Who is most likely to pay | Resources are finite. Put effort where it will make a difference. |
| Arrears and Delinquency Risk | Who is at risk of falling further behind | The earlier you see risk, the more options you and the customer have. |
| Payment Arrangement Score | Which arrangements will be affordable and kept | An arrangement only creates value if it lasts. |
| Contact and Channel Optimisation | The right channel, timing and approach for each customer | More contact doesn't always mean better outcomes. |
| Debt Sale Models | How ready each portfolio is for sale, and which accounts to retain, sell or hold | Helps determine which accounts to retain or sell, optimise portfolio composition and support debt sale strategies. |
Analytics services
Where scores become decisions.
Segmentation
Groups built on behaviour, risk, vulnerability and likely response, not broad arrears buckets.
Treatment strategy design
Treatment paths for each segment that balance performance, capacity and customer outcomes.
Test and learn
Champion-challenger testing and controlled trials that turn what works into standard practice.
Portfolio performance and root cause
What's really driving performance across portfolios, cohorts and vintages, and what to change.
Operational analytics
Capacity planning, dialler strategy, queue management and resource allocation.
Keep, place or sell
Evidence on whether each account should stay in-house, go to a third party, move to legal or be sold.
Proof
Results from live operations.
700% return on litigation
On the same utility programme, the highest-scored accounts delivered a 700% ROI. Low-scoring accounts were removed from future selection, and vulnerable customers were protected throughout.
Vulnerability, built into daily work
The Financial Vulnerability Score was deployed across a major UK utility as part of a wider collections programme, including proactive identification, differentiated treatment and integration into operational workflows.
Why arum
Built by collections experts, for collections outcomes.
Grounded in experience
Our models are shaped by people who understand collections and recoveries, not generic scoring applied to a specialist operation.
Explainable by design
Scores come with reason codes that operations teams, leaders and regulators can follow.
Put into practice
We turn analytics into treatment paths, technology rules, processes and MI, across banking, utilities, telecoms, debt purchase, public sector and consumer finance.
FAQs
Questions about arum IQ
Is arum IQ a single score or a broader service?
Does arum IQ replace our collections technology?
Do you build models or run analytics as a service?
What data do you need?
How does arum IQ help with regulatory scrutiny?
Let's talk.
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