What it is
TSI’s Portfolio Management (Powered by DebtNext) is an outsourced recovery management model for organizations that lack internal infrastructure or want to scale strategy and oversight quickly.
Clients retain real-time access and reporting via DebtNext, while TSI handles the day-to-day operations and optimization.
How it works
Onboard & configure...
DebtNext as the system of record (inventory, rules, vendors, compliance workflows).
Segment & assign...
placements across Demand Communications, 1st Party, 3rd Party, and Legal Recovery using configurable strategies.
Oversee third parties...
(agencies and law firms) with governance, controls, and audit trails inside DebtNext.
Optimize continuously...
with analytics, benchmarking, and test-and-learn to expand inventory penetration and improve liquidation.
Report & reconcile...
program performance with real-time dashboards and defensible audit artifacts.
Expert Management...
via TSI portfolio managers – providing day-to-day management of recoveries, defining collection strategies and tactics to generate the highest recoveries at lowest cost (net back).
Why TSI
Single, end-to-end platform with DebtNext (dPlat) at the core.
Full-suite execution across Demand Communications, 1P, 3P and Legal—one operating model.
Third-party oversight that strengthens compliance and transparency.
Faster time-to-value for teams lacking internal recovery infrastructure.
Key Features
Strategy orchestration (pre-charge-off → charged-off → legal).
Vendor management & legal network coordination within DebtNext.
Program analytics & benchmarking to optimize inventory penetration.
Real-time access & reporting for client program leadership.
Compliance & cybersecurity
Portfolio Management inherits TSI’s industry-leading compliance management and NIST-aligned cybersecurity posture, with audit-ready documentation and controls surfaced through DebtNext.
- Independent CMS, three lines of defense: ~100 FTE compliance org; 200+ state/federal licenses; 95+ policies with formal annual review.
- Testing & audits at scale: 100+ unique audits/tests annually (incl. 30+ monthly control tests) and 400+ client audits supported each year.
- Certifications & standards: SOC 2 Type II, HITRUST, FISMA, NIST, and RCI.
- NIST CSF–based cyber program: Board-level governance; 24×7 eSentire SOC with ~30-min avg. incident close; SentinelOne EDR (99.5% asset coverage); Sumo Logic SIEM (~95% log visibility); 99% staff pass cyber training.
- DebtNext control surface: One interface to all vendors with a “cybersecurity shield,” daily account reconciliations, and real-time oversight of assignments/activities.
Engagement model & economics
- Operating model: TSI manages day-to-day execution; client retains visibility and control via DebtNext.
- Commercial model: Platform license (DebtNext) + contingent portfolio-management fee; additional contingent fees apply when downstream solutions (1P/3P/legal) are used.
- Typical ranges: ~2–3% management fee and ~10–35% for recovery solutions (varies by asset/age and volume).
- Governance cadence: Performance reviewed monthly/quarterly with dynamic reallocation across vendors based on liquidation, complaint volume, and compliance results.
- Net-back focus: TSI defines tactics to maximize dollars recovered at the lowest cost-to-collect.
- Reporting & control: Real-time dashboards and granular status tracking give clients continuous visibility; integration replaces manual files with end-to-end workflow updates.
- Scalability & allocation: Programs scale across multiple agencies; top performers can receive up to ~60% of placement share with caps to manage risk and fees.
Request a portfolio assessment
No-obligation review. We’ll map your current vendors, volumes, and compliance requirements—and recommend a right-sized program.
