At HCL, we add value to our partnerships by leveraging our strengths and by providing end to end receivables management solutions that spans the entire spectrum of collections and recoveries. We strongly believe that the right people coupled with the right effort reduces charge-offs and delinquency rates. Our collections and recoveries strategy is based on our unique ‘PAT–People, Analytics and Technology’ approach. We deliver high performance through a combination of skilled collectors, recovery specialists, data analytics and state of the art technology.