Stratagem Portfolio Services was formed during 2006 with a primary mission of integrating lifecycle risk management tools and portfolio strategies with world-class operational strategies and practices in collections and credit risk management functions within banks and financial services companies, retailers, utilities, and debt purchasers / receivables management companies. Our consultancy is active in markets in North America, Europe, and Asia Pacific, and continues breaking new ground in credit risk, collections, and operations research.

The strategies that risk managers develop at a portfolio level are all to often offset by execution tactics in collections. This operational negation creates an opportunity for reengineering, aligning strategic portfolio strategies with operational servicing strategies and objectives. The result is a tighter integration across both aspects of portfolio management, and enhanced opportunities for improvement in strategy development and overall portfolio performance results.

Within collections, our domain expertise and vision allows us to serve our clients by providing a holistic approach towards reengineering the collections function, including lifecycle risk management strategies and execution, analytics and empirical data usage, organizational design and workflow management, strategic technology and MIS, vendor management programs, outsourcing, reward systems and training. Our management systems approach provides a powerful visual methodology that focuses attention towards key performance measurements, performance drivers, and continuous coaching and skill development.

Accordingly, our consulting expertise is tightly focused in both portfolio lifecycle risk management and operations management. We are able to offer our clients access to knowledge and execution expertise across a number of disciplines that is consistent with industry-best thinking. We are able to assist clients in leveraging their investment in analytics, converting portfolio strategies and their targeted objectives into actionable operational strategies, ensuring a holistic end-to-end risk management environment capable of supporting ongoing strategy experimental design.

In the ARM and debt purchase markets, we found opportunities to leverage analytics and portfolio risk data to improve selection of alternative contact strategies, such as IVRs, or the use of diverse, globally distributed collector resources in overseas markets. Our unique approach leveraging highly advanced analytic tools from leading edge solutions providers along with our own internally developed tools to interpret customer preferences for, and performance within, each contact channel has broken new ground for a globalized, fully optimized approach towards collections.

We understand all of the competitive offerings in the market available to our clients, and have taken a position on best-in-class technologies and solutions. Selecting best-in-class providers fosters an environment where we can dive deep into the providers’ technology and capabilities, uncovering the keys to fully optimized, robust performance. We also have the added benefit of integrating these solutions and expanding their value exponentially. This approach allows us to solve real-world problems for clients, and allows our clients to outperform their competition.

While a number of consulting organizations identify opportunities and what they believe are industry-best solutions, most lack the experience of having worked in the target organizations they serve. Their theories on how to manage the business become unwieldy when the client is left to tackle implementation, resulting in what we refer to as low capturability.

Our approach is entirely different than our competitors. Our knowledge of the business from the inside, coupled with our vision, allows us to craft industry-best solutions that can be implemented with full capturability. While many consulting firms will have you forego your investment in current technology, we find ways to maximize your investment in technology.

Most importantly, we understand that businesses are comprised of people, not technology or tools. Our focus is on a key understanding of how to leverage your investment in people and facilitate building processes to assist you in exceeding your company’s goals. This focus is the reason we have been highly successful working with clients.

Don’t take our word for it --- talk to our clients and find out how we were able to help them leverage their inner strengths.