Accountant at a collections agency here: net recoveries fell 12% in November, but commission accruals and dialer licenses are still hitting at full freight. If you had to tighten spend, would you trim overtime and skiptracing now or ride it out to protect Q1 revenue?
I’ve handled a similar 12% dip by getting our dialer vendor to convert about 25% of named seats to concurrent for 60 days under a seasonality rider, which shaved about $12k and let us keep skip on top deciles to protect Q1… Since “dialer licenses are still hitting at full freight” in November, I’d push that first; does your contract allow mid‑term seat flex?
Building on @lrodriguez, I’d flip real-time skiptracing to a weekly batch append on sub-30 propensity accounts for 6–8 weeks; it trimmed about 18% in data costs for us without dinging January roll, but keep real-time for legal/settle-ready files — can you segment that today?