From Balance Cuts to Real Scoring: Building Actionable Models

The walk stage: moving from balance and days-past-due cuts to propensity scoring, segmentation and channel-specific models that estimate net value per account, and making sure output fits what your operation can actually execute. Covers portfolio benchmarking, why A/B testing is required before next best action, and a candid look at how disconnected vendor data leaves many teams unable to tell which channel worked. Part 2 of 3 from the Collections Executive Community (CEC) session on February 25, 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