eStrats Features

Portfolio Inventory Management Systems

eStrats Features

Pimsware eStrats generates an analytical stratification report on a portfolio of debt, which includes charts and percentage breakdowns by dollar amount and number of accounts. Whether you are considering a portfolio to purchase, or preparing a portfolio to sell, Pimsware eStrats presents a summary of the data necessary to make an informed decision.

What can you do with stratification reports?

1. Comparisons - Period to period comparisons are easier with a stratified portfolio. If you’ve ever asked yourself “How good was my valuation assumptions on a portfolio purchased 14 months ago?" and can not answer this question for every acquisition, then eStrats is your solution.

2. Evaluation assumptions – One effective way you can avoid endless hours to review bid files is to use eStrats. In less than five minutes you can map the portfolio and view its stratification in 27 different categories to make an informed decision on your bid.

3. Measure dispersion - Statistically correct stratification ranges are the most effective means to determine dispersion. The simplest measure of dispersion is the range, which is calculated by taking the difference between the maximum and minimum values in the data set.

4. Evaluate portfolio performance – A true measurement of performance is though stratification. To measure the performance of one or only a few accounts is not very meaningful. It’s either good or bad, it has a high balance or low balance, and it is a skip account or not. Proper aggregation builds a picture of performance that you can apply to today’s decision to sell a portfolio, or tomorrow’s acquisition.

What are the available Stratifications?

Average Home Value
Average Income
Age
Balance Range
Charge-Off Date
Distance Between Address and Phone (Potential Skip identifier)
First Pay Default
Gender
Home Phone Validation (Cell Phones, Land Lines, Invalid Numbers)
In/Out of Statue (Current,3 month, 6 month, 12 month, etc future statutes) Open and Written
Language (English, Spanish, etc.)
Last Pay Date
Months Since Charge-off Date
Months Since Last Pay Date
Months Since Open Date
Open Date
Originator
Preferred States
Segments
Pool (Primary, Secondary, etc)
Social Security Number Validation
State
Time Zone
Country
User 1 (User Defined Strat)
User 2 (User Defined Strat)
User 3 (User Defined Strat)
User Date 1 (User Defined Strat)
User Date 2 (User Defined Strat)
User Date 3 (User Defined Strat)
Work Phone Validation (Cell Phones, Land Lines, Invalid Numbers)
Years Before Charge-Off
Zip Code Validation

How to load a file into eStrats?

Uses drag and drop mapping interface to match the files field names with eStrat field names.

Built in name parser for file with Full Name fields instead if separate first and last name.

Built in address parser for files with the city state and zip on one field.

Built in Data Formatter to convert dates from yyyymmdd to mm/dd/yyyy format.

View Source option allow user to see data in file

View Target option allow user to see data eStrats copied from source file.

What value added data fields does eStrats provide?

eStrats will append to the supplied files 23 additional values containing parsed fields as well as additional data

lngRecordNumber integer value used to identify record
Prefix (Mr.Mrs.,etc)
FirstName (Parsed first name value)
MiddleName (parsed middle name value)
LastName (parsed last name value)
Suffix (Jr, Sr, III, etc.)
Gender (M,F,N,etc) M= Male F= Female N = Neutral U = Unknown
Address1 (parsed address1)
Address2 (parsed address2)
City (parsed City)
State (parsed state)
ZipCode( parsed Zip Code)
ZipPlus (parsed zip plus 4)
Country (parsed Country from address)
Distance (Distance calculation between home phone and address)
Timzone (Time Zone of home phone)
ZipValidation (0 = invalid 1 = valid)
SSNValidation (A = valid, X = Not Issued, Z = Invalid, N = New area not issued, R = railroad Valid, M = Transferred Valid, E = Enumeration Valid)
HomePhoneValidation (L = landline, C = Cell, I = Invalid)
WorkPhoneValidation (L = landline, C = Cell, I = Invalid)
Language
AverageHomeValue
AverageIncome