Precision Collections: Improve Efficiency with Geospatial Analytics

In overdue portfolio management, especially in mortgage and financial sectors, one of the greatest inefficiencies lies in field management. Collection efficiency depends on route planning and account assignment, which is complex without a geospatial perspective.

The Challenge: Inefficient Assignment of Field Agents

The mortgage company faced a logistical challenge: assigning overdue accounts to field agents was suboptimal, generating long travel distances, wasted time, and fewer effective visits per day. A smarter and less invasive collection strategy was needed.

The Infomedia Solution: Geospatial Analytics for Geographic Segmentation

Infomedia implemented an innovative solution combining advanced analytics for collections management with geospatial analytics. The objective was to assign overdue accounts not only by risk, but also by geographic proximity to collection agents.

The solution uses geospatial techniques to optimize field work:

• Geographic Segmentation: Divides the portfolio into logical territories, helping concentrate efforts.
• Spatiotemporal Analysis: Models collection variables by considering location and time, optimizing the timing and contact channel for each debtor.
• Route Optimization: Assigns the portfolio while minimizing agent travel, increasing daily visit capacity.

Geospatial analytics turns collection data into valuable clues about debtor behavior, enabling segmentation by actual risk level and more effective collection campaigns.

Results: 20% Increase in Operational Capacity

The application of this analytics approach generated both operational and financial benefits:

• Increased Operational Capacity: The company increased operational capacity by 20% through optimized routes and use of human resources.
• Improved Recovery: Greater field efficiency produced a 5% improvement in portfolio recovery.

This case demonstrates that analytics can go beyond traditional risk models by using geography as a key variable for smarter decisions and more effective recoveries.