Nectar Collections Strategy

CITO referral dashboard for current files, write-offs, and near write-offs

This dashboard measures current CITO performance, applies the live referral rules, and surfaces which loans should be sent to CITO now, which need review, and which should stay out of court.

Rule of thumb NZD 4k practical floor Built from mature CITO recoveries, legal cost, and 11% cost of funds.

Performance

CITO book performance and rule base

Age cohort rates: actual vs mature benchmark

Gross recovery, CITO cost, and net collections are shown by months since write-off. The dashed benchmarks come from the mature 60m+ book.

Current rules

    Mature CITO economics

    Mature collections by grade

    Referral queue

    Which loans should be assigned to CITO

    Loans are ordered from recent to older within recommendation priority. Use the editable fields when employment or location certainty is not known.