Experience the power of predictive analytics
Most teams waste effort on accounts that were never going to pay, or miss the ones about to slip.
EQ Engine uses AI-driven predictive analytics for debt collection to show you where to focus, what action to take and when to maximize retention and recoveries.
Move beyond generic credit scores
Traditional scores decide who gets a loan, not who is going to pay back an overdue debt. EQ Engine is built for the reality of unpaid debt: using predictive analytics for debt collection to assess repayment propensity of accounts that have already fallen behind.
Payment projection
Predict how much you'll actually recover, so you focus effort where it counts.
Collection probability
See repayment likelihood for every account in your portfolio in every channel.
Dynamic updates
Predictions update as borrower behavior and market conditions shift.
Target the right accounts
with the right plan
EQ Engine doesn't just tell you who to call, it uses AI to understand borrowers and design multi-faceted debt collection strategies.
Performing accounts
Spot which healthy accounts are at risk (before they slip).
Collections
Apply our predictive data to every text, email, or dialer campaign to retain good borrowers.
Recovery
Understand your options and focus late-stage effort where the returns are real.
Valuation
Value portfolios down to the account level. Price with confidence.
EQ Engine groups borrowers by net expected value and recommends the next best action for each.
Prevention first. Then precision.
Scores you can explain. Decisions you can defend.
Explainable AI that gives you visibility into what drives every prediction, so you can justify your strategy to regulators and trust your data.
Unified data
Credit data + payment history + real-time behavior. One view.
Don't waste time on accounts that won't convert. By using EQ Engine, you can stop chasing unlikely payers and direct your resources toward the opportunities that matter most.
Transparent scoring
No black boxes. See the reasons behind every prediction.
Justified decisions
Know exactly why each score is what it is. Regulator asks? You're ready.