Case Study: Toyota Financial Services optimizes collections treatments with a customer-centric approach

Document created by Advocate on Jan 5, 2016Last modified by on Aug 2, 2016
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TFS optimizes collections treatments with a customer-centric approach


For Toyota Financial Services (TFS), which provides auto financing to more than four million US customers, debt collection historically had been an ongoing challenge. Heavy-handed approaches meant that people could suffer credit score damage or lose their cars entirely; on the flip side, uncollected debt would hurt the bottom line.


TFS turned to a collections treatment solution powered by FICO® Xpress Optimization Suite and FICO® Model Builder to infuse statistical and predictive modeling, forecasting, advanced segmentation and optimization into a single framework to simulate multiple scenarios and deploy the optimal strategy into production. The bottom line was quick ROI that kept thousands of customers in their cars and allowed TFS to grow their portfolio without adding collections headcount.


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