Collections decisioning
Own your collections strategy — without the spreadsheets or the IT queue
Design, simulate, deploy and measure your collections strategy yourself. simlify puts decisioning back in the hands of the team that's accountable for it.
The status quo
Strategy trapped in spreadsheets and change requests
Most collections strategy still lives in spreadsheets, static rule tables, and the heads of a few experienced people. Every change — a new segment, a new treatment, a new threshold — becomes a change request, a sprint, a release window. By the time it ships, the portfolio has already moved on.
Locked in spreadsheets
Logic that lives with one or two people, and that no one else can fully maintain or trust.
Queued behind IT
Every adjustment competes for the same sprint capacity as everything else the business needs.
Untested until it's live
No way to know the impact of a change before it's already touching real customers.
How it works
Segment, assess, action, monitor, refine - on a continuous loop
simlify is built around one continuous loop, so improving your strategy is never a one-off project.
01
Segment customers
Visually build decisioning and customer segmentation strategies, backed by a library of collections-specific models, actions and KPIs.
02
Assess impact
Get real-time visibility to support optimal customer segmentation and associated interaction costs.
03
Action communications
Execute high-volume communications on automated, cloud-based infrastructure, integrated with your customer interaction platforms.
04
Monitor outcomes
Track KPIs and customer journeys, and attribute the impact of every change - globally and by segment.
05
Refine strategy
Adjust approach based on strategy performance backed by detailed analytics.
Back to 01 — Segment customers
Why simlify
Business-owned, not IT-owned
simlify exists because collections strategy shouldn't be at the mercy of a release calendar.
Business-owned
The team accountable for the outcome designs and owns the strategy.
Collections-specific
Built around collections models, actions and KPIs — not a generic rules engine.
Simulate before live
See the impact of a change before it reaches a single customer.
Fully auditable
Every strategy, every change, every decision — recorded and explainable.
Who it's for
Built for the whole team around the strategy
Head of Collections
Lift recovery and cut ECL, without waiting on IT for every change.
CFO / CRO
A measured, auditable driver of impairment and provisioning decisions.
Head of IT / Data
Modern architecture and clean integration points, with no ongoing build burden on your team.
Operations
Consistent, automated execution and measured workflows across every channel.
Built by Optinum
Decision-science pedigree, enterprise-grade foundations
simlify is built by Optinum, with deep, hands-on experience in credit and collections decisioning.
Decision-science pedigree
Built by a team with a long track record in credit and collections decisioning.
Secure private cloud
Deployed in a private cloud environment built for regulated data.
Personal data aware
Designed with global data protection requirements in mind.
Full audit trail
Every decision and change is logged and explainable.
See simlify on your data
Bring a real segment of your portfolio. Leave with a strategy you designed, tested, and can defend.