The Company uses a mentoring approach communicating to students through the use of phone and digital contacts with a team of experienced live agents, and predictive analytics that establishes risk profiles.

Our predictive modeling and analytics establish risk profiles that are combined with sophisticated scoring methods. This platform enables SAMS to produce industry-leading performance as it relates to Default Aversion and Collection Services.  

Our collection methodology is based on the Collector Prioritization Engine (CPE) and the Recovery Model from TransUnion. CPE is a batch process of 180 predefined characteristics that we run against new placement files to help identify consumers with the greatest propensity to pay. We have the ability to configure the recovery model based on the type of accounts that we collect. Therefore, we are able to configure the way in which we segment accounts to accommodate any client-unique requirements.

 SAMS also offers advanced skip-tracing and methodologies to locate consumers, including batch processing with the following tools and systems: Accurint, TLO, LexisNexis & Transunion.  

The information that we uncover in our data scrubs and skip-tracing searches are automatically recorded on the account. Each collector has the ability to perform skip-tracing activities to ensure that every opportunity to contact the consumer is made.  

SAMS prefers a dedicated group of collectors working a combination of ownership and pool queues. Placement methodology in our operating platform enables us to assign accounts to pool queues, dialer campaigns or individual collector’s desks based on score, balance, last contact date, times worked and demographic information. Strategies are implemented based on the level of placement and additional factors such as type and age of paper.