Propensity and Orchestration Models: What 'Mature' Looks Like

What separates basic from advanced collections strategy: propensity models that progress from balance, age and last payment to engagement, DSC enrollment and real-time machine learning, and orchestration that moves from fixed channel cadences to account-level next best action. Peers add ability-to-pay and asset signals, off-us data, collateral-based models, customer-level contact strategy and build-versus-buy lessons. Part 2 of 3 from the Collections Executive Community (CEC) session on March 11, 2026. The CEC is a vendor-free peer forum for senior collections and accounts receivable management executives, hosted by Scott Hamilton of ARM Tech Advisors. https://armtechadvisors.com