Secured recoveries interaction
Purpose. State the boundary clearly. This training pack focuses on contingent DCA and written-off unsecured recoveries operating models. Secured recoveries is a different process.
Secured recoveries is different
Secured recovery is typically case-managed, legal and asset driven, and uses different mechanics from bulk contingent placement of unsecured written-off debt. It may involve repossession, court timelines, valuations, insurance, guarantees, and complex party structures. None of that should be collapsed into a generic “recoveries decision” diagram without qualification.
Where the link often appears
After realisation of security, there may be a crystallised shortfall: an unsecured residual the customer still owes. That shortfall may then be routed into the same contingent or written-off paths described in this pack (internal, DCA, sale, abandon), subject to policy.
So the models connect at the handoff of residual debt, not at the level of collateral enforcement mechanics.
What not to do
- Do not train secured specialists on this pack alone.
- Do not merge secured and unsecured reporting without segment tags; recovery curves and conduct profiles differ.
Related: Recoveries decision (master flow) · End states (crystallised shortfall) · Back to pack home