My Role - Mortgage Servicer

Story:

As a mortgage servicer you may want to segment delinquent accounts by likelihood of recovery, so that you can focus staff and resources on borrowers most likely to get back on track.

A predictive segmentation tool would let you classify accounts (e.g., high, medium, low recovery likelihood) and assign different engagement strategies, improving efficiency and outcomes.

Acceptance Criteria:

• Segmentation Output

  • Pivot assigns each delinquent account a recovery likelihood score (e.g., 0 to 100%) and groups them into at least three tiers (high, medium, and low).

  • Segmentation is based upon relevant factors within the built environment, socio-economic vulnerability, and structural & systemic barriers.

• Prioritization

  • Servicers can filter and sort accounts by segment.

• Actionability

  • Each segment is linked to recommended internal outreach strategies.

  • Pivot can assist your at-risk households in getting back on track through our Recovery & Retention services.

• Reporting

  • The system provides a summary dashboard showing projected recoveries by segment.

Business Value:

• Increases recovery rates by aligning staff effort with borrowers most likely to cure.

• Reduce wasted resources spent on low-probability accounts.

• Supports proactive risk management and improves portfolio performance.