Bespoke solutions Bespoke solutions The brain behind Sigma’s operation; driving all analytics, segmentation and strategy
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Every customer is unique. Finding a way to best segment your customer base is fundamental to overall improved performance and customer experience

Sigma differs from many outsourcers; as a company, our journey started with handling debt purchasing. Even though we have evolved and focus more on customer contact solutions, we have still retained our embedded risk and debt pricing functions. This strategy, allows us to analyse portfolios based on their performance and to help identify areas that require improvements; where necessary, our strategies are adjusted to help achieve this.

Working with several of our clients, we use our ‘Value Add Engine’, so that more effective and better-tailored collections strategies, can be utilised as a part of an early or late-stage collections strategy.

Bespoke solutions
Step Elements Benefits
1 Reporting & Profiling
  • Standardised MI
  • Population Stability Indices
  • Key variable profiles
  • Tracking vs benchmark
Reduced in-house costs
  • Early warning of upstream issues means less time fire-fighting internally
  • Also limits need for remediation activity and complaints
  • Externally provided tracking MI negates need for internal team
Improved marketing and underwriting
  • Clear feedback on downstream impacts helps assess and tweak marketing and on-boarding processes
2 Load Point Forecasting
  • Payment & Cash Forecast
  • Final debt forecast
  • Lifetime w/off forecast
  • Complaints volume forecast
Fewer Surprises
  • Forward looking view of cash and write-off
  • Forecasts of final debt values to understand changes and manage expectation
Better resource planning
    Complaint and final debt forecasts help inform requirements
3 Load Point Strategy
  • Focused intensity
  • Tailored Strategy
  • Customer-centric approach
  • Proper champion-challenge
Reduced churn and improved NPS
  • Customer-centric strategies give better outcomes for customers
  • Better retention of key customer groups such as 'sleeper' customers on high-margin tariffs
Reduced cost and/or better performance
  • Tailored strategies reduce wasted effort
  • Move away from "one size fits all" to increase efficiency
  • Write-off 'dead loss' debt earlier to limit cost


Improved collections performance and a better customer journey – strategies are tailored to individually identified segments. Communications are tailored and response levels improved.
Flexibility – The Sigma ‘Value Add Engine’ can be used in isolation or as an integrated part of other service offerings.

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