Collections Marketing
API-connected collections letter optimization — behavioral design, copywriting, print production, and daily mail fulfillment in a single integration.
The Collections Marketing Platform connects directly to your collections workflow to replace system-generated letters with behaviorally optimized, marketing-driven communications — handling design, copywriting, production, and fulfillment automatically. Lenders and servicers integrate once. From there, the platform ingests daily account files, applies segmentation logic, and outputs print-ready communications built around proven direct response principles — without adding operational overhead. Each communication is engineered using behavioral science, psycholinguistic framing, and decision design to reduce friction and drive measurable action: payment, workout enrollment, or repayment plan acceptance. Language, structure, and layout are tuned at the segment level — not templated generically across the portfolio. The platform delivers: * Segment-specific letter creative mapped to delinquency stage, account type, and behavioral profile * Daily production and fulfillment of outbound mail * Continuous optimization based on response data Measured outcomes include: * Higher payment and cure rates * Increased workout and repayment plan enrollment * Lower roll rates * Reduced cost-per-contact vs. generic letter production The API-first architecture is designed to fit inside existing collections systems — FICO platform users can route eligible accounts through the platform as part of their standard treatment strategies, with no manual intervention required at the campaign level.Get connector
Features
Benefits
Features
Integrated with FICO Decisioning
Receives segment and treatment assignments from FICO decisioning and maps each one to behaviorally designed communications. Letter version, offer and messaging are personalized automatically for each customer.Behaviorally Designed Collections Communications
Applies behavioral science, including psycholinguistics, behavioral economics, nudge theory, cognitive load theory, emotional design, and visual hierarchy to collections communications.Response Optimized Communications
Uses proven direct response marketing principles to create personalized customer communications. Every letter includes clear account information, intuitive visual design, convenient payment methods, QR-enabled to drive digital engagement and simplified calls to action.Champion/Challenger Testing
Ability to conduct continuous testing and optimization of messaging, creative, offers and design elements to improve performance over time.Fully Managed Collections Communications Platform
End-to-end solution including strategy, behavioral design, creative development, copywriting, personalization, print production, and mail fulfillment.Rapid Production & Mailing
SOC 2-compliant production environment with 24-hour turnaround capabilities.Consistent Customer Experience
Integrated messaging across other customer touchpoints such as letters, email, SMS/MMS/RCS, phone, etc. to ensure a cohesive customer-centric experience.Benefits
Turn Decisions into Action
Increase Customer Engagement
Improve Payment and Settlement Performance
Drive Continuous Performance Improvement
Reduce Operational Burden
Accelerate Speed to Market
Deliver a Better Customer Experience