Garanti BBVA manages a large and diverse collection portfolio spanning different stages such as restructuring, active collections, and legal proceedings. While the bank already applied structured collection strategies across these stages, increasing portfolio complexity and business targets created an opportunity to further refine decisioning at the customer level.
In particular, the bank sought to:
- Better differentiate customers with varying repayment and restructuring potential
- Assess multiple collection actions simultaneously within a unified decision framework
- Rapidly test and compare alternative strategies against business KPIs
- Strengthen collaboration between different collection stakeholders through a shared, measurable view of impact
The objective was not to replace existing strategies, but to enhance them with optimization capabilities that could continuously support decision-making in line with business priorities.
Garanti BBVA is one of Türkiye’s leading banks, providing a wide range of financial services to retail, SMEs, commercial, and corporate customers through an extensive branch network and advanced digital channels. With a strong focus on analytical decisioning and data-driven strategy execution, the bank continues to invest in innovative solutions that support scalable, measurable, and sustainable performance across its core banking operations.
Embedding Optimize into our collections decision framework has enabled us to evaluate competing actions at the customer level with full visibility of portfolio impact. – said Teoman Alponat, Head of Retail Collections, Garanti BBVA – The ability to quantify trade-offs between recovery, cost, and strategy – and act on them quickly – has been a key driver of measurable financial value.