Credit and collections analytics, made clear.

We produce practical analytics that help lenders, debt purchasers and payment firms recover more, lose less and price risk with confidence. Got data in another sector? We can help there too.

Discuss a project

What we do

Collections & Recoveries Optimisation

Your arrears book holds more value than you think. We find where it’s slipping away, and help you recover more for less.

  • Segmented contact and payment strategies
  • Cutting collections costs that don't change outcomes
  • Finding "black holes" where accounts go unworked
  • Keep, outsource or sell: maximising the return on each account
  • Pricing and due diligence on NPL portfolio purchases
  • Recovery forecasting (ERC) and independent model validation

Credit Risk in Payments

Merchant failure is a credit risk many payment firms underprice. We help you measure your exposure, price for it and protect against it.

  • IFRS 9 expected credit loss (ECL) models and provisioning
  • Merchant risk scoring and probability of default (PD) models
  • Pricing credit risk into your rates to protect profitability
  • Choosing the right collateral for each merchant, and when to trigger it
  • Onboarding assessments and ongoing portfolio monitoring
  • Deferred delivery merchant (DDM) exposure in travel, ticketing and pre-orders

Bespoke Analytics Projects

Bring us your biggest headache, whatever your sector, and we’ll see what your data can do.

  • Automated reporting that replaces hours of manual work
  • Unlocking lost data stored in spreadsheets, PDFs and documents
  • Practical uses of AI to streamline repetitive processes
  • Forecasting, predictive models and customer segmentation
  • Actionable insight that tells you what to do, not just what happened
  • Deep dives into a specific question or problem

How we work

  1. Understand

    We start with a free conversation about the problem you're trying to solve. Together we look at the data you hold and agree what a good commercial outcome looks like.

  2. Propose

    If we can help, you'll get a fixed-fee proposal covering the approach, deliverables and timeline, so you know the cost and what you’ll get before any work starts. If we can't help, we'll tell you.

  3. Deliver

    We do the technical work: cleaning the data, running the analysis and building the models. Then we hand everything over with training, so your team can use it with confidence.

Got a problem worth exploring?

Book a free call
Daniel Sattary

About us

Mathen Analytics is led by Daniel Sattary, a credit risk and collections specialist with over 16 years’ experience across UK lending, payments and pan-European collections.

Dan has held senior leadership roles across lending, payments and debt purchasing. At a payment acquirer, he built a credit risk function from scratch that significantly reduced exposure. At a leading European debt purchaser, he led a series of data-driven initiatives that reshaped collections strategies and processes, adding multi-million-pound value. And at a UK consumer lender, he used collections insight to sharpen lending decisions, cutting unprofitable lending and reducing arrears.

His focus is keeping things simple: turning complex analysis into clear decisions your team can use.

He’s equally comfortable doing the hands-on technical work or setting the wider strategy.

Based in Redhill, Surrey, UK.

Contact

Tell us what’s on your mind. The first conversation is free, with no obligation.

Book a meeting LinkedIn