Loan Collections

Transform collections into a strategy that respects customer relationships and boosts recovery rates.

Not all defaults are equal, use Menhir to uncover who's not a lost customer.

Our technology is:

Menhir’s Explainable AI elucidates the decision-making process, offering lenders clear insights into the rationale behind collection strategies, enhancing transparency and compliance.

By identifying causal relationships in payment behaviors, Menhir’s AI pinpoints the underlying factors influencing delinquency, enabling targeted intervention strategies.

Our AI translates insights into immediate actions, optimizing contact timing and methods to improve collection rates effectively.

Action core

Decision Apps

Menhir's Decision Apps utilize predictive analytics to prioritize collection efforts, focusing on accounts with the highest recovery potential and aligning resources for maximum efficiency.

Data & Model core

AI Models & Algorithms

Our sophisticated AI models predict payment probabilities and segment customers based on risk, optimizing collection approaches and personalizing communication strategies.

Data Collectors & Data Fabric

Menhir’s Data Fabric collects comprehensive data on customer financial behavior, interaction histories, and economic trends to create a holistic view that supports effective collection operations.

Menhir’s impact in Loan Collections

Menhir revolutionizes loan collections, turning overdue payments into recovered assets while preserving customer dignity and loyalty

Optimal DCA & Agent Allocation for Each Case

By matching collection agents with cases based on likelihood of recovery and agent success rates, Menhir enhances collection efficiency and maximizes recovery rates.

"Optimized agent allocation improved recovery by 35% by aligning debtor profiles with agent strengths, ensuring more personalized and effective collection approaches."

Book Pricing DCF Based on Cash Flow Predictions from Models

Utilizing AI-driven discounted cash flow (DCF) models, Menhir AI predicts future cash flows from outstanding loans to determine accurate book pricing. This aids financial institutions in making informed decisions about asset sales and loan book management.

"Accurate book valuation facilitated strategic asset sales, enhancing portfolio profitability and reducing risk exposure by aligning prices with predicted cash flows."

Probability of Legal Collection

Menhir’s AI models assess the probability of successful legal collection by analyzing debtor's past behavior, legal outcomes, court saturation, and current financial status. This insight helps institutions prioritize cases and tailor legal strategies effectively.

Optimal Text for Each Debtor Customer Communication

By crafting personalized communication strategies for each debtor, customers are able to optimise the timing, tone, and content of messages to increase the likelihood of successful engagement and payment.

"Personalized communication strategies increased debtor response rates by +20%, significantly improving payment rates and reducing collection costs."

Build Tomorrow, Today.

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