Managing Delinquency and Performance in Unsecured Lending

Personal and student loan portfolios face a distinct set of challenges—volatile borrower behavior, varied regulatory oversight, and channel-specific contact limitations. This Roundtable brings together leaders from fintechs and traditional lenders to compare real-world strategies for improving collections effectiveness, borrower outreach, and repayment performance.

Members gain access to quarterly benchmarking data that highlights performance trends across borrower risk tiers, repayment cycles, and contact strategies. Sample metrics include entry rates by FICO band, delinquency rates, and daily average outbound attempts across cycles 1–4. Insights are delivered through the VIZOR platform and informed by direct peer contributions.

Participation includes executive-level roundtable meetings, unlimited custom surveys, and quarterly benchmarking. Custom surveys help surface fast feedback on operational risks, vendor effectiveness, and channel performance. Collectively, the program offers a continuous feedback loop to improve collections strategies and performance outcomes.

Who Should Join

Executives overseeing unsecured installment and student loan collections strategies at banks, fintechs, and servicers. Ideal participants lead recovery and servicing functions and are focused on improving performance outcomes and borrower experience.

Why It Matters

As borrower expectations shift and regulatory scrutiny intensifies, collections teams need a dedicated forum to test new approaches and stay ahead of change. This group empowers leaders to make smarter decisions with performance benchmarking, real-time peer feedback, and targeted discussions on the most pressing issues in personal and student loan collections.

Hot Topics

• Collections Effectiveness: Contact success factors, efficacy of contact channels, and alternative channel outreach integration (e.g., email, SMS, chat)
• Delinquency Trends and Loan Modifications: Portfolio performance, forbearance agreements, income driven repayments, co-signer removal and ownership models
• Industry Performance: The economic drivers affecting Unsecured Lending Collections, including consumer debt, the regulatory environment and more
• Regulatory Landscape: Best practices for mitigating regulatory risk in collections, particularly at the state level