Case Study: East‑Coast bank ($150B+ assets) cuts delinquencies and saves $110K/month with EdgeVerve’s FinXEdge Collect

How a Leading Bank in the USA used Predictive Insights to lower their Delinquencies and Net Losses

Largest Financial Institution, an East‑Coast bank with over $150 billion in assets and a broad consumer loan portfolio, was facing rising delinquencies and net charge-offs as its loan book grew. Despite a new core collections system and statistical risk models, customer risk segmentation remained manual, costly and inconsistent, so the bank engaged EdgeVerve to deploy FinXEdge Collect to enable consistent, data‑driven differentiated treatment across products.

EdgeVerve implemented FinXEdge Collect in production within eight weeks, using automated data pipelines and explainable ML to preemptively score risk, prioritize accounts, recommend contact timing and personalize resolution strategies. The bank applied predictions to at least 85% of delinquent customers and saw a 105 basis‑point reduction in roll rates, $110K monthly loss savings (~70% higher savings) in the first month, and plans to expand the solution with EdgeVerve toward an expected $20M+ savings over five years.