Researching Loss Mitigation & Account Recovery for Consumer Lenders
We're Interviewing Lenders to understand how they handle delinquent accounts today — and what a better system should do.
Why This Matters Now
American Borrowers are More Distressed than Ever.
Delinquencies and loss rates are material and rising, with real impact on recoveries, charge-offs and bottom line.Hardship options for struggling borrowers are limited, heavily manual and inconsistent - creating exceptions, leakage, and operational friction.Customer awareness of hardship options is low, and lenders struggle to surface offers without creating moral hazard or policy drift.Regulatory pressure is increasing, especially where lenders let clients drift to outside agencies or debt settlement companies.Visibility and measurement are weak - most lenders cannot quickly show which offers were made, accepted, and how they performed.
Question for Lenders
What’s the biggest pain in how you handle distressed borrowers & delinquencies right now?
Where do you lose borrowers to settlements, credit counseling, or bankruptcy — and why?
(e.g., timing, lack of options, communication gaps)Which decisions today rely most on human judgment or exceptions — and cause the most risk or inconsistency?What questions about outcomes can you not answer confidently for leadership or auditors?What policy or workflow changes have you wanted to make but couldn’t, due to systems or vendors?What part of your current stack feels most misaligned with how you want to treat distressed accounts?
Question for Lenders
What do you wish your systems & tools could do that they can’t today?
What decisions should be automated but currently aren’t?
(e.g., eligibility, offer selection, escalation)What logic or rules do you wish you could change quickly without an IT project? (e.g., hardship criteria, timing, thresholds)What would you want to test or experiment with, if it were easy to do so? (e.g., new plans, new segments, different messaging)What outcomes do you want to measure, but can’t today?
(e.g., acceptance, completion, re-default, complaints, recovery by offer type)What would “good” visibility look like for you, your leadership, or regulators?
(e.g., dashboards, audit trails, clear narratives)If you could replace or augment one part of your current stack, what would it be and why?
Who We're Speaking With
Titles: C-Suite, VPs, Heads of Collections, Loss Mitigation, Credit Risk, Servicing OpsCompany Types: Consumer lenders, Banks, BNPL, Fintech lendersProduct scope: Unsecured lending portfolios where delinquency is an issue
We’re speaking with a small number of leaders to understand what’s actually working — and what isn’t — in hardship and workout programs.We’ll share with you an anonymized summary of patterns and best practices across lenders.As well as a pilot KPI framework with actionable insightOnce we’ve validated workflows, we plan to run 1–2 tightly scoped pilots with partners. It'll be low integration with measurable improvement.
Founder Bio
Solutions Born From A Decade Inside the Hardest Edge of Consumer Credit
My name's Robert Purtill. Before founding SARYSSA, I was a top performer for over ten years inside consumer debt resolution, where I worked directly with tens of thousands of distressed borrowers, navigating hardship, repayment breakdowns, negotiated resolutions, and the compliance constraints of operating in highly regulated financial markets.
I saw firsthand why borrowers exit the creditor's ecosystem — and where the repayment process breaks under pressure. I’m now interviewing creditors to understand what actually needs to be built to fix this.
Lenders We Want to Hear From You!
In return for your insights, you'll receive:✓ A candid diagnostic of where value is lost in hardship, workouts, and late-stage delinquency✓ An anonymized comparison of how peer lenders are handling the same pressure points✓ A pilot KPI framework built to withstand leadership and audit scrutiny✓ Priority access to limited, low-risk pilot opportunities if there's strong fit
What’s the biggest pain in how you handle distressed borrowers and delinquencies right now?What do you wish your systems & tools could do that they can’t today?What products do you service? (credit cards / personal loans / BNPL / other)
If you’d like to add context or follow up directly, you can reach me at [email protected]
Thank you for your insight!
We’ll review it and follow up within the next few days. As we continue our research, we’ll also share anonymized patterns and insights we’re seeing across lenders, along with early notice as pilot opportunities become available.