Sector · Debt purchase

Analytics and technology that make portfolios work harder.

Portfolio performance is decided before the first customer contact is made.

Valuation, litigation strategy and treatment all rest on the data and assumptions behind the purchase. We help debt purchasers make better investment decisions with independent valuation, data enrichment, analytics and portfolio strategy.

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7

Named scores and models in arum IQ, including debt-sale models, the Financial Vulnerability Score and the Litigation Selection Score

Source: arum

What we see

The three decisions that create value in a portfolio.

Knowing what a portfolio is worth

Portfolio analysis, segmentation and cashflow modelling show expected recovery, risk and value, before and after you buy.

Knowing how to treat each account

Collection and litigation scorecards show where to focus activity, and where more recovery spend is most likely to produce a return.

Knowing when to hold, collect, litigate or sell

Books change after you buy them. Regular review shows when to switch strategy, and when a portfolio or segment is worth more if sold.

Regulatory context

Acquired portfolios still need fair, explainable treatment.

FCA rules and Consumer Duty shape treatment, decisioning and the evidence of customer outcomes.
  • FCAThe conduct regulator for UK debt purchase. Servicing standards, customer treatment and controls across acquired portfolios sit under its supervision.
  • Consumer DutyRequires purchasers to evidence appropriate treatment and explainable outcomes across regulated portfolios.

How we help

Value starts with understanding the portfolio.

Pricing, collectability, treatment, litigation and future sale decisions all depend on the quality of your data and how well you can predict recovery.

We combine technology expertise with data analytics. We analyse portfolio performance and value, build collection and litigation scorecards, apply the Financial Vulnerability Score and model cashflows and returns. Then we help set the right strategy for each account and each portfolio, including debt-sale strategy, valuation and auctions. And where AI can improve an outcome, we help you choose it, govern it and take it live.

How we help, in eight services

Where we help debt purchasers.

  1. Advise

    Work out what you need, and whether to optimise, buy or build.

  2. Procure

    Choose the right technology from the whole market, at the right price.

  3. Implement

    Get it live, on a plan the business can trust.

  4. Rescue

    Get a stalled programme moving again, and through to go-live.

  5. Optimise

    Get more from the technology, data and the AI you already own.

Specialist services

AI solutionsPrepare, select, implement and govern practical AI in collections.AnalyticsUse scoring, segmentation and insight to improve outcomes.Managed servicesRun and improve your collections technology with a specialist team.

Case study

A first debt sale at fair market price.

Liberis GroupFirst sale

Achieved at fair market price, with minimal operational fallout

Read the case study

FAQs

Questions debt purchasers ask us

Can you assess a portfolio before we buy it?
Yes. We analyse the data, segment accounts, model cashflows and recovery, and give you an evidence-led view of likely value. We can also tell you whether your technology and data can service it well.
Can you help improve performance or prepare a portfolio for sale?
Yes. Portfolio analytics, scorecards and performance modelling show where value is being left behind. We also support preparation, valuation and auction strategy.
How does the Financial Vulnerability Score fit a purchased book?
It identifies accounts where vulnerability should change treatment, so your recovery strategy stays appropriate and explainable.
Can AI improve how we value and work a purchased portfolio?
Yes. Machine-learning scorecards and the arum IQ scores and debt-sale models sharpen valuation, treatment and hold-or-sell decisions as repayment data builds. We build them on your data and keep the reasoning explainable.

Let's talk.

Thirty minutes with one of our senior experts who knows debt purchase. Bring the portfolio you're weighing up.
General enquiry
  • AtlantaAtlanta Financial Center, 3343 Peachtree Rd NE, Suite 145, Atlanta, GA 30326
  • London1 Lyric Square, London W6 0NB
  • Sydney97-99 Bathurst St, Suite 1087, Ground Floor, Sydney NSW 2000