DefaultSleuth

The only AI-powered collections intelligence solution built for credit unions: spot financial strain sooner, act with precision, and reduce charge-offs.

The Problem

Delinquency is climbing fast. Are you ahead of it—or chasing it?

Charge-Offs are Climbing

Delinquency rates are the highest they’ve been since the Great Recession. Credit unions can’t afford to wait and see—by the time a member misses a payment, it’s often too late to help.

Traditional Tools Are Outdated

DPD and credit scores are lagging indicators. They show you what happened—not what’s coming. DefaultSleuth brings behavioral intelligence into the equation.

Your Team Deserves Better

Collectors are spending too much time chasing the wrong accounts. DefaultSleuth gives them the clarity to focus on members who truly need outreach—making their work more effective and more meaningful.

The Solution

Spot trouble early. Intervene with confidence. Keep members on track.

Using advanced behavioral analytics, DefaultSleuth identifies members likely to default before they miss a payment. We analyze:

Loan activity

Deposit trends

Transaction patterns

Spending shifts

Then we translate those insights into clear, prioritized actions—so your team can focus where it matters most.

Proven Impact

Proactive Solutions for Member Success

Reduce charge-offs by prioritizing your efforts

Strengthen member relationships with proactive outreach

Improve forecasting accuracy and visualizing portfolio health

Why Credit Unions Choose DefaultSleuth

Help Members First – Offer proactive guidance before financial strain becomes a crisis.
Enhance Forecasting – Use leading indicators, not just past due data.
Streamline Workflows – AI-driven prioritization replaces hours of manual research.
See the Full Picture – Analyze both credit and deposit-side behaviors.

Built for Every CU, Any Size – Priced to be accessible and impactful whether you serve 2,000 members or 2 million.

Built for Credit Unions

Tailored for the way you work.

Designed with and for credit unions, DefaultSleuth fits into your existing workflows—no black-box AI, no complicated setup. Just smarter, data-backed collections support.

Proactive Risk Detection

See financial strain before it becomes loss.

We don’t wait for missed payments. DefaultSleuth uses real-time behavioral modeling—tracking deposits, spending, and engagement—to flag at-risk members early.

Intelligent Prioritization

Focus on where you make the biggest difference.

Our platform scores and sorts accounts based on true risk—not just DPD—so your team focuses effort where it will have the biggest impact.

Process

How It Works

Ingest Your Data:

We securely import loan, deposit, and transaction data – and we will do the heavy lifting to put your data to work.

Detect Hidden Risk:

Our AI model identifies behavioral patterns—like reduced deposits or payment timing shifts—that signal financial strain.

Prioritize & Quantify Risk:

Your collections team gets a clear, sortable list of high-priority accounts displayed in an intuitive dashboard. See portfolio trends, product-level risk, and top risk factors—all in one place, without digging through reports.

Act & Improve:

Collections activity is tracked within the system, and outcomes are used to continuously improve targeting and performance.

Competitive Landscape

No other provider can match everything DefaultSleuth can deliver.

		Collections Platforms	Credit Bureaus	Analytics Providers	Internal Teams
Al-Driven Propensity Models	✅	❓	✅	✅	❓
Evaluates Both Sides of Ledger	✅	❌	❌	❓	❓
360 Borrower and Loan View	✅	✅	❌	✅	❓
Portfolio Level Vizualizations	✅	✅	❌	✅	❓
No Internal Development	✅	❌	❌	❓	❌
Speed to Value	✅	❌	❌	❌	❌