Case Study: Toyota Financial Services achieves fewer delinquencies and avoids repossessions with FICO's Collections Treatment Optimization

Toyota Financial Services uses data science to keep thousands of drivers a year from hurting their credit

Toyota Financial Services, which provides auto financing to millions of U.S. customers, needed to reduce delinquencies and repossessions while offering payment options that were both profitable for the business and aligned with customer preferences.

TFS deployed a Collections Treatment Optimization program using FICO Xpress Optimization Suite and FICO Model Builder to micro‑segment customers and personalize collection treatments. The program delivered quick ROI: it kept thousands of customers in their cars and prevented tens of thousands from reaching credit‑damaging delinquency, grew the lending portfolio by roughly 9% without adding collections headcount, avoided millions in losses, and earned a FICO Decision Management Award.

Toyota Financial Services

Jim Bander

National Manager for Decision Science