Portfolio
SN

Strategy Studio

Where the rules behind every NBA, escalation and contact decision live. Edit a strategy here, run it as a challenger, then promote when it beats champion on cure × cost × complaints.

Champion–challenger · live

Challenger v3.4 is winning by +3.1pp cure · safe to promote

Cure uplift
+3.1pp
improving
Cost-to-collect
−6.4%
improving
Complaint rate
0.41%
parity vs champion
Statistical power
92%
11,842 cases
AI recommends promoting challenger to champion across mid-stage TH portfolio
Tree

Mid-stage standard

31–90 DPD · score 50–80 · auto

All accounts31–90 DPD · score 50–80 · autoScore < 50Light-touch50 ≤ score < 70Standardscore ≥ 70High-touchSelf-cureSMS onlyDigital reminderSMS + emailOutbound call14:00–17:30Hardship offerAuto-approve holdEscalateManager reviewNo contactfor 7dRe-evaluatenext score runPTP captureauto-recSpecialist queuevuln reviewLate-stage pathlegal pre-flight