{"product_id":"the-debt-collection-industry-with-stephen-a-ogunyemi-9798189657023","title":"The Debt Collection Industry With Artificial Intelligence-Powered Recovery: A Strategic Model for Transforming Recovery, Enhance Contact, Reduce Risks","description":"Artificial intelligence has already changed what a Debt Collection Industry floor can do. Most agencies have not been shown how. \u003cp\u003e\u003c\/p\u003eYour operation can tell you what happened last month. AI tells you which consumer is contactable in the next four hours, which payment plan breaks on Thursday, and which settlement is about to destroy the yield it appears to protect - then acts before the opportunity decays. \u003cp\u003e\u003c\/p\u003eThat is the difference between a report and an intelligence system. This book builds the second one.\u003cbr\u003e\u003cb\u003e\u003ci\u003eThe Debt Collection Industry With Artificial Intelligence-Powered Recovery\u003c\/i\u003e\u003c\/b\u003e is the most complete AI operating manual ever written for the recovery enterprise: 10 volumes, 46 chapters, 51 forensic case studies - board mandate to production deployment. Not a survey of what AI might do, but the specific algorithms, on the specific problems in your operation, with the governance that makes them examinable. \u003cp\u003e\u003c\/p\u003e\u003cb\u003eTHE AI ARSENAL\u003c\/b\u003e\u003cul\u003e\n\u003cli\u003e\n\u003cb\u003ePropensity and expected-value modeling.\u003c\/b\u003e Gradient-boosted trees (XGBoost, LightGBM) score every account by what it will actually return, net of pursuit cost, replacing balance-ranked worklists. Same headcount, same portfolio, higher liquidation.\u003c\/li\u003e\n\u003cli\u003e\n\u003cb\u003eAnomaly detection without labels.\u003c\/b\u003e Isolation Forests surface synthetic-identity clusters, telephony abuse, and portfolios behaving unlike the seller's representation. Caught in week one, that is a pricing conversation. At month-end, it is a booked loss.\u003c\/li\u003e\n\u003cli\u003e\n\u003cb\u003eDeep learning that hears everything.\u003c\/b\u003e Transformers (BERT, RoBERTa) read sentiment, urgency, and intent across 100% of your calls and correspondence, flagging an FDCPA script deviation during the call rather than in a QA sample three weeks later.\u003c\/li\u003e\n\u003cli\u003e\n\u003cb\u003eReinforcement learning that acts, not just predicts.\u003c\/b\u003e A contact engine learns the optimal channel sequence and best-time-to-contact from real outcomes - with complaints priced into the reward function, and training confined to a digital twin so it never learns non-compliant habits on live consumers.\u003c\/li\u003e\n\u003cli\u003e\n\u003cb\u003eGenerative AI with mandatory RAG grounding.\u003c\/b\u003e Real-time compliant negotiation prompts on every seat, and dispute responses drafted from the account's own history and your validation policy.\u003c\/li\u003e\n\u003cli\u003e\n\u003cb\u003eCausal inference and uplift modeling.\u003c\/b\u003e Stop funding interventions for consumers who would have paid anyway.\u003c\/li\u003e\n\u003c\/ul\u003e\u003cb\u003eWHAT IT RETURNS\u003c\/b\u003e\u003cbr\u003eMore collections from the same portfolio. Lower cost per resolution. Avoided loss, as bankruptcy, SCRA, deceased, and time-barred accounts are suppressed before a violation occurs. And a higher enterprise multiple, because buyers and clients pay for predictable recovery and defensible controls. \u003cp\u003e\u003c\/p\u003e\u003cb\u003eTHE COMPLIANCE INVERSION\u003c\/b\u003e\u003cbr\u003eThe most serious objection to AI here is regulatory risk. It is backwards. Asked why a consumer received a specific communication on a specific date, a legacy operation produces a policy document and a supervisor's memory.\u003cbr\u003eAI does not reduce the need for legal judgment. It increases the need to encode that judgment accurately. \u003cp\u003e\u003c\/p\u003e\u003cb\u003eALSO INSIDE\u003c\/b\u003e\u003cbr\u003e51 case studies dissected to root cause: the $100M placement lost to a 48-hour blind spot, the propensity model that forgot macroeconomics, the rogue macro that misread the statute of limitations. Plus board-ready ROI mathematics, the trust architecture (feature stores, model registries, graph and vector databases, lineage, MLOps, AI TRiSM), the full KPI catalog, the org and talent blueprint, and a 100-day transition plan. \u003cp\u003e\u003c\/p\u003eFor CEOs, CFOs, COOs, compliance officers, collection attorneys, data analytics and product leaders, investors, and boards. \u003cp\u003e\u003c\/p\u003eThis is not a book about replacing collectors with machines. It is about rebuilding the enterprise so machines handle volume, humans exercise judgment, compliance lives in the workflow, and every dollar of lift can be proven. \u003cp\u003e\u003c\/p\u003e\u003cb\u003eThe report is over. Build the intelligence.\u003c\/b\u003e\u003cbr\u003e\u003cbr\u003e\u003cb\u003eAuthor:\u003c\/b\u003e Stephen A. Ogunyemi\u003cbr\u003e\u003cb\u003eISBN-13:\u003c\/b\u003e 9798189657023\u003cbr\u003e\u003cb\u003ePublisher:\u003c\/b\u003e Independently Published\u003cbr\u003e\u003cb\u003eLanguage:\u003c\/b\u003e English\u003cbr\u003e\u003cb\u003ePublished:\u003c\/b\u003e 07\/29\/2026\u003cbr\u003e\u003cb\u003ePages:\u003c\/b\u003e 544\u003cbr\u003e\u003cb\u003eFormat:\u003c\/b\u003e Paperback\u003cbr\u003e\u003cb\u003eWeight:\u003c\/b\u003e 3.82lbs\u003cbr\u003e\u003cb\u003eSize:\u003c\/b\u003e 11.00h x 8.50w x 1.41d","brand":"Stephen A. Ogunyemi","offers":[{"title":"Paperback","offer_id":50666024796415,"sku":"9798189657023","price":245.0,"currency_code":"USD","in_stock":true}],"url":"https:\/\/www.whiterainbookhouse.com\/products\/the-debt-collection-industry-with-stephen-a-ogunyemi-9798189657023","provider":"WR Book House","version":"1.0","type":"link"}