1. Intelligent Ingestion & Enrichment of Financial Data

Garbage in, garbage out. Debt Catalyst starts by cleaning and enriching the raw data to reveal hidden value before valuation even begins.

• AI-Powered Import: Drag-and-drop ingestion of CSV/Excel files with AI Field Mapping that automatically detects and standardizes column headers (e.g., mapping “Principal” to “Balance”). The platform integrates multiple data sources to streamline the import process, and the AI-powered import helps users save time by automating data mapping and standardization.
• Multi-Archetype Support: Specialized scoring models for 30+ asset classes, including Prime Credit Card, Auto Deficiency, Fintech, Medical, and the newly added Pre-Charge-Off tier.
• Geo-Demographic Enrichment: Automatically enriches debtor records with US Census data, HUD affordability data, and Bureau of Labor Statistics (BLS) employment trends based on zip code, resulting in more detailed records for each account.

2. Proprietary Scoring Engines

Traditional credit scores are static. Our behavioral scoring models are dynamic, measuring Capacity and Intent, and are powered by machine learning. These advanced scoring engines generate key metrics for portfolio evaluation and decision-making.

The Core Indexes

• DQI (Debtor Quality Index): A 0-100 composite score measuring overall collectibility based on account age, balance, and previous activity.
• FHI (Financial Health Index): Measures a debtor’s capacity to pay based on Financial Durability, Spending Power, and Projected Income.
• ESI (Economic Strength Index): Scores the macro-economic health of the debtor’s specific location (Unemployment trends, GDP growth, Housing momentum).

Behavioral Metrics

• SSS (Settlement Sensitivity Score): The algorithmic likelihood of accepting a settlement offer.
• Cash Velocity Score: The predicted speed of repayment and liquidation curve. This critical metric helps forecast cash flow from portfolio collections, supporting financial analysis, portfolio management, and business decision-making.

3. Valuation & Pricing Engine for Portfolio Management

Stop guessing. Our dual-mode valuation engine uses real-time market data to pinpoint the exact bid price required for profitability, leveraging AI powered tools for accurate portfolio valuation and management. This critical engine enables focused due diligence, financial analysis, and helps you stay ahead by tracking portfolio performance, total assets, cash flow, revenue, and operational costs.

• AI Bidding: The system recommends a bid price based on intrinsic asset quality and risk, and assesses risk exposure as part of its bid recommendation.
• Goal Seek Analysis: Calculates the maximum purchase price required to hit a specific target ROI (e.g., 2.5x) over a set hold period.
• Macro-Economic Context Widget: Real-time integration with FRED (Federal Reserve) data to adjust valuations based on Inflation (CPI), Risk-Free Rates (10Y Treasury), and Recession Risk. The widget models various economic conditions, including historical and hypothetical downturns, to inform valuation adjustments.

4. Generative AI Capabilities

We leverage Google Gemini to turn raw data into narrative strategy, with generative AI capabilities powered by large language models.

• AI Recovery Blueprints: Generates specific strategies for every single account (e.g., “High-value homeowner in growth region; pursue legal immediately”), designed to help recover funds from delinquent accounts.
• AI Analyst (Chatbot): A conversational interface allowing users to query the portfolio (e.g., “Which state has the highest concentration of high-balance accounts?”), providing real-time insights into portfolio data.
• Creditor Intelligence: AI scans the web for news, BBB ratings, and CFPB complaints regarding original creditors to assess reputational risk.
• Strategy Blueprints: Automatically segments the portfolio and assigns specific collection strategies (Legal, Manual Call, Dialer, Passive) to maximize Net ROI.

The Technology Gap

5. Execution & Compliance

From the Deal Room to the Collection Floor, the platform manages the entire lifecycle.

• The Deal Room: Compare up to 4 portfolios simultaneously using Radar Chart visualizations. Generates an AI “Buy/Pass” summary.
• Performance Hub: Tracks actual cash collected against the valuation model’s locked liquidation curve. Monitor servicer scorecards in real-time.
• Autonomous Compliance Engine: An AI agent that scans for regulatory updates (FDCPA, state laws) and suggests adjustments to scoring models. It proactively supports dispute management, identifies non compliance with relevant regulations, and helps ensure your business stays ahead of critical compliance requirements.