OGMA has a menu of options available at all levels of complexity and price points, allowing you to customize based on your needs. We have expertise in the credit card, auto, mortgage, unsecured personal loan, FinTech, BNPL, short-term lending, Credit Union, and alternative financing spaces across the full consumer lifecycle. This includes marketing, underwriting, account management, 1st-Party Collections, and Bad Debt recovery.

Typical phases of an engagement allow you to create a package focusing on the services specific to your company and its current circumstances. Though each available component is not required, the full scope of the project will be assessed in The Foundation phase to ensure you are receiving the services you need to reach your desired outcome. Final pricing will be based on the complete custom package.

The Foundation phase is recommended as it provides an initial and comprehensive needs assessment. When you decide to engage using additional components, the cost of The Foundation will be applied to that future work.

Any component can be completed during your engagement without requiring other components, allowing for a fully customized package to suit your needs. For example, a custom scorecard may be developed first and then strategies developed using the new score. However, if you just want a better understanding of how to implement a new credit score to your decision strategies, that can be its own project. While recommended, the Foundation step is not necessary if either on-demand services or the expanded service offerings are the best fit.

Pricing options vary depending on your needs, including a “pay as you go” model for on-demand resource needs, a retainer-based agreement (monthly engagement and pricing) or non-retainer agreement (one-time project and cost).