Lesson 4 of 8

Early collections: contact strategy, channels and collection scores

Most borrowers who miss a payment can be brought back to regular payments if the lender reaches them early and in the right way. This lesson explains what the early stage of collections is for, how borrowers in arrears are grouped, how collection scores rank them and why the borrowers most likely to pay are not always the ones a call helps most, what a field experiment in Indonesia found about the content of a message, the rules on channels, and how to test a contact strategy.

Published 16 October 2026