Collections Partnership
For credit unions that want to build or transform their collections function, Horizons provides ongoing strategic and technical guidance through a reasonable monthly retainer that typically lasts 12-18 months.
We work alongside your leadership team and collection managers as a hands-on partner—helping turn strategy into execution and building the systems, people, processes, and culture necessary for sustainable performance.
We don't simply tell you what needs to change. We work alongside your team to make the changes happen.
What the partnership can include:
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Collections leadership and management development
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Recruiting and interviewing
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Department structure and staffing
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Policies, procedures, and workflows
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Performance measurement and reporting
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Incentive program design
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Technology optimization
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Delinquency and loss-mitigation strategy
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Repossession, foreclosure, and recovery strategy
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Manager and staff training
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Ongoing performance coaching
The engagement evolves as your needs change. Early in the relationship, Horizons may be deeply involved in building your collection operation. As your team develops, our role can shift toward strategic guidance, coaching, and accountability.
Our Services
Collections Advisory
Not every credit union needs an embedded collections partner. Sometimes you simply need someone experienced to call when a difficult question comes up.
Our Collections Advisory retainer provides ongoing access to experienced collections professionals for the questions, decisions, and challenges that arise throughout the year.
Whether you're evaluating a difficult delinquency situation, considering a change to your collection strategy, reviewing an incentive plan, dealing with a management challenge, evaluating technology, or simply want another experienced perspective before making a decision, Horizons is available when you need us.
Think of it as having an experienced collections advisor in your corner—without adding another person to your payroll.
Special Projects
Horizons also provides focused consulting engagements for specific collections initiatives.
These hourly-billed engagements are designed around a defined objective, scope, and timeline and can draw on any of our areas of expertise.
Examples include:
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Collections department assessments
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Management assessments and development
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Incentive compensation design
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Reporting and KPI development
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Workflow and process redesign
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Collections technology optimization
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Staffing and organizational structure
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Delinquency and loss-mitigation reviews
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Charge-off and recovery strategy
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Policy and procedure development
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Training and management workshops
A defined challenge. A defined engagement. A practical solution.