Case Study: OppLoans achieves a 134% ROI and $25K in additional collections with Experian's Tax Season Payment Indicator

This fintech saw a 134-percent return on investment when it collected an additional $25,000 from its delinquent loan portfolios

OppLoans, a Chicago-based online consumer finance platform serving more than 100,000 non-prime borrowers, faced a seasonal collections challenge: limited agent capacity and the need to prioritize which delinquent accounts to call during the critical January–March tax-refund window. The goal was to focus outreach on customers most likely to use refunds to pay down debt, reduce charge-offs and improve account reconciliation.

OppLoans implemented Experian’s Tax Season Payment Indicator, which uses trended data to identify customers who historically paid down at least 10% of a delinquent balance or made $500+ payments during tax season by analyzing the prior two seasons. A three-week targeted outbound campaign recovered an additional $25,000, delivered a 134% ROI, and produced substantially higher average collections than the uncalled delinquent segment while improving dialer strategy, call scripts and staff planning.

OppLoans

Austin Yates

Manager, Service Technology