Collections intelligence.
Real-world results.
Product thinking, operating economics and practical AI from inside the work.
Data Enrichment Only Pays When It Changes the Next Action
More data isn't better data. DebtorIndex tells you which accounts need skip tracing, and which would be money wasted.
Why Aging Reports Need Context Before They Drive Priorities
A 90-day account isn't always worse than a 30-day one. Nexum prioritizes by behavior, contactability and value, not just age.
Should an Agency Buy Credit Bureau Data for Every Account?
No. Blanket data buying burns money. DebtorIndex tells you exactly which accounts are worth a pull.
Complex Portfolios Need Clear Treatment Paths
One-size-fits-all treatment fits almost nobody. Nexum moves every account down the path that fits it, automatically.
Propensity to Pay Is Not a Score: It's a Recovery Decision System
Anybody can sell you a score. DebtorIndex turns it into who to call, how, when, and whether to spend a dime on data.
From Propensity Scores to Recovery Decisions
Scores sitting in a column don't collect. DebtorIndex maps every tier to a treatment and puts it on tomorrow's call list.
Collector Queues Should Optimize Recoveries, Not Just Workload
Oldest-first lists waste your best hours. Nexum builds queues around eligibility, value, follow-ups and collector fit.
How Do Collection Agencies Improve Recovery Rates?
Work the right accounts, reach the right person, win the conversation, remove the friction. Nexum attacks all four.
DebtorIndex in Practice: Tiers, Work Lists, Holds and Overrides
DebtorIndex ranks open accounts into tiers A to D, builds work lists, holds accounts that must never be contacted and logs every override.
What Is Propensity to Pay in Debt Collection?
Propensity to pay estimates who will pay. DebtorIndex turns that estimate into who your team calls today.