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Breakout 4: Collections Insights and Optimization Leveraging Trended Collection Scores (SCORE / TU)

11:25 AM - Thursday, October 09
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In today’s climate of economic uncertainty and rising credit loss provisions, effective collections management has become more critical than ever for lenders. This session, presented by experts from SCORE and TransUnion, will explore how trended collection scores can be leveraged to drive smarter, more targeted strategies for credit card receivables entering collections. Attendees will gain insights into real-world use cases and performance trends across key consumer segments—clean, sloppy, and dirty populations—highlighting how behavior patterns influence outcomes. The session will also delve into cure and charge-off likelihoods across different delinquency age brackets, with a special focus on new-to-credit consumers and value-at-risk indicators. Join us to discover how trended scores can enhance segmentation, prioritize outreach, and ultimately improve recovery rates in a challenging lending environment.

Speakers

Richard Yap

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Richard Yap
CEO, SCORE Statistical Consulting

Richard Yap is the CEO at SCORE Statistical Consulting, where he has worked since 2000. He specializes in developing scorecards, predictive models, and decision systems for clients in financial services, collections, and insurance across Canada and the U.S. He oversees SCORE’s BPO vertical, managing $1 billion in credit card receivables and supporting the sale of over $10 billion in distressed debt for Canadian lenders. Richard holds an MBA from the Schulich School of Business and serves on the Board of the Canadian Scoring and Risk Management Association (CSRSA). Earlier in his career, he worked in health research and education management.

Gabor Sarkany

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Gabor Sarkany
Senior Manager, Solutions Consulting - TransUnion Canada

Gabor Sarkany is the Senior Manager of Solutions Consulting at TransUnion, where he leads a high-performing team focused on delivering innovative, data-driven solutions to clients across the financial/consumer services landscape.

With over 30 years of experience, Gabor brings a unique blend of expertise from both the life insurance (wealth management) and lending sectors, all within a strong risk management framework. His career spans roles with established financial institutions and dynamic fintech startups, covering the full credit spectrum from prime to subprime.
Gabor holds an Honors Bachelor of Science in Actuarial Science from Western University and an MBA from Wilfrid Laurier University.