Compare
Propensity-to-pay ranking vs calling in order of amount.
Calling the biggest overdue amounts first feels sensible. It often means easy cures wait while agents dial accounts that will not pay this week.
| Ordered by amount overdue | Ranked by propensity to pay | |
|---|---|---|
| Who is called first | Largest overdue balances | Borrowers most likely to pay with contact |
| Channel | Usually calls for everyone | Best channel per borrower: WhatsApp, voice agent, person or field |
| Easy cures | Wait behind hard accounts | Reached early in the day |
| Agent time | Spent on borrowers who needed only a reminder | Kept for the cases that need a person |
| Hard accounts | Called repeatedly | Routed to the right treatment, including field |
| Measurement | Collections total | Cure rate against a control group |
What to watch
- A ranking is only as good as its data; refresh it every morning from the LMS.
- Low-propensity accounts still need a treatment, not neglect.
- Hardship and disputes must go to a person whatever the score.
- Test against a control group before switching the whole portfolio.
Which to choose
Amount-based lists are simple and fine for small portfolios. For larger early-bucket volumes, ranking by propensity and channel usually uses agent time better. Prove it on one bucket first.
How AutoCollect does it
AutoCollect is built for collections teams at banks and NBFCs. Due and overdue accounts are loaded daily from your LMS and ranked every morning by propensity to pay, with the best channel for each borrower. Reminders and payment links go out on WhatsApp before and after the due date; voice agents take promises in the borrower’s language; disputes, hardship and restructuring always go to a trained person; later buckets are routed to field agents with proof of visit. Payments are matched to promises and broken promises re-queued automatically. Contact-hour rules, approved scripts and a do-not-call list apply on every channel, and every call, by people and voice agents alike, is summarised and scored. Your policy decides what can be offered.
Questions
What is propensity to pay?
An estimate of how likely a borrower is to pay if contacted, used to decide who to contact first and on which channel.
Is it better to call by amount or by propensity to pay?
For larger early-bucket volumes, ranking by propensity and best channel usually uses agent time better; test it against a control group on one bucket first.
Do low-propensity accounts get ignored?
They should not: they need a different treatment, such as a person or a field visit, not neglect.
See it on your own data. AutoCollect — The right borrower, the right channel. Book a 30-minute working session with an engineer.