What is Acumen?
Acumen! is a suite of products and services designed to provide Columbia Ultimate software users with the information they need to make sound business decisions. Acumen! provides the knowledge and tools necessary to implement best practice solutions within the people, processes, and technology of your debt recovery effort.

What does Acumen do?
Acumen! uses analytics to:

• Profile, or score, accounts
• Forecast payment probabilities
• Closely monitor expenses
• Produce specialized reports and graphs that measure what is and what is not working in your recovery effort

Acumen! then leverages this analytically-derived data to assist you in:

• Making sound business decisions
• Implementing optimal work and business strategies for ever-greater profitability

Expected Results
Acumen! increases profitability through applied analytics. Acumen! will identify those markets, clients, accounts, collectors, work strategies, and business strategies where application of your people, processes and technology will generate the best possible return on investment.

Acumen! users have almost universally maintained or slightly increased recoveries while significantly reducing overhead. Some have completely justified their investment upon implementation.

The Acumen! Toolset Includes:

Recovery Scoring
Profiles (scores) accounts in terms of their recovery probability and potential revenue. Recovery Scores identify which 50% of accounts will generate as high as 91% of dollar recoveries.

Recovery Scoring Overview

Cost Analysis
Closely monitors and summarizes recovery effort expense. Cost Analysis is a an easy-to-use tool that will determine and report which accounts, collectors, clients, and markets are profitable and which are not.

Cost Analysis Overview

Comprehensive Reporting
Provides online access to a user-secure Business Objects data-mine and private library of reports. Comprehensive Reporting allows for user-directed data analysis of what is and what is not working in nearly every aspect of the recovery effort.

Comprehensive Reports Include:

Score Reliability Verification Reports
Validate by agency and by client the reliability of Acumen!’s various scores (in terms of recovery percentages).

Revenue Generation Reports
Analytically examine recoveries by agency, by client, and by score.

Costing Profitability Reports
Track the real costs of your recovery effort and identify in terms of cost-to-revenue ratios your best and worst clients and markets.

Client Placements & Average Score Comparison Reports
Compare quarter-to-quarter client placement activity and average score performance. Identify trends up or down in client placements and the relative collectability of client paper.

Recovery Effort Reports
Identify how much effort is expended to produce a certain percent of your total recoveries. Will help you to set appropriate work strategies in terms of dollars returned versus effort invested.

Recovery Effort Per $100 Recovered
A costing report that reveals the impact of account balance on dollars recovered.

Recovery Rate Transaction Reports
Provide an array of drill down and ad hoc reports on posting transaction data that would have been lost at month end for Columbia Ultimate clients not using Acumen!

Collector Reports
Capture and analyze recoveries and recovery effort by collector initials, not just by desk.

13/25 Month Recoveries Stairstep Reports
Analyze recoveries and recovery percentages by current month compared to the month the account was placed. These reports can be sorted by client, a group of clients, market segment, score, score range, dollar range, etc. Valuable in analyzing and examining what is and what is not working in your recovery effort.

Monthly Cash Flow Reports
Project cash flow by analyzing payments, payment plans, postdated checks, and promises to pay.

Custom Reports Include
Unlimited client generated reports derived from customization and drill down.

Each Acumen! user has 24/7 access to their own Business Objects license from which they can build and store specialized reports.

Comprehensive Reporting Overview

Resource Optimization
Provides hands-on assistance in charting and implementing optimal account distribution, work strategies, and business strategies. Resource Optimization provides ongoing consultation, including data analysis revealing what is working and what is not working in your unique recovery process.

Resource Optimization Overview

How to get started
Contact one of our consultants via email or at 360-260-9780 for a presentation of Acumen! including an initial analysis and review.