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CIC Connect Program	CIC Connect Program	NAT_2627	WEB

CIC Connect Program

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	Date of Session 5: Thursday, May 28, 2026 from noon to 1:00 p.m.ET Presenter: Tony Lengua, MBA, ECCP, CCE, CICP Topic: Collection Ratios and Probability of Customer Payment Deterioration Location: Virtual: Zoom (A link will be shared one day prior to the event) Remember: one-time registration grants access to all sessions! Secure Your Spot Today! CIC Member PD Points: 10 professional development points for attending each session. Presenter' s Bio: Session 5: Tony Lengua, MBA, ECCP, CCE, CICP Tony is a dedicated and hands-on leader recognized for leading teams, implementing strategies, and achieving corporate goals, while maintaining a high level of customer service. Proven track record of delivering results in both Business to Business (B2B) and Business to Consumer (B2C) environments. Strong team player who coaches and mentors teams to protect financial interests and solve complex problems. Using data analytics and statistics to identify issues and opportunities for improvement is also something I excel at. I have built models in Excel which encompassed customer data and analytics to assess exposure and credit risk. I can analyze financial statements very well and I have built Excel models with financial ratios to assess financial positions. I also like using Microsoft Visio to map out new processes and to improve existing processes and have used it on several new system implementations. I collaborate well with teams across the organization to address and resolve issues within an organization. And my ability to effectively manage third party collection agencies has been a critical component to collecting past due payments from customers while maintaining the customer experience. Additional areas of expertise include credit investigation, cash flow and variance analysis, delinquent accounts recovery planning, settlement negotiations, KPI, performance monitoring, performance management, credit and receivables process automation, team leadership and training, policy creation and implementation. Topic: Collection Ratios and Probability of Customer Payment Deterioration This CIC Connect session will explore how collection ratios can be transformed from simple performance measures into practical predictive tools for monitoring customer payment behavior and identifying early signs of credit deterioration, while showing how these measures can be incorporated into a structured analytical model for ongoing customer assessment. The session will examine how ratio movements over time can help estimate the probability of payment deterioration at the individual customer level, allowing credit professionals to detect weakening payment discipline before accounts become seriously delinquent. Attention will also be given to identifying threshold changes, comparing customer behavior against historical trends, and combining quantitative ratio analysis with qualitative account knowledge to support stronger credit and collection decision-making. How to Join? • FREE for CIC Members & Students – Included with your 2026-27 membership dues. Members are just required to do a one-time registration online for access to all sessions. Haven't renewed your membership yet? Click here to renew now » Not a member? Be our guest. (Sign-Up For a User Account Now!) • For Non-Members: $49.99 + tax for access to each individual session. • $595.00 + tax for a bundled one-time registration that grants access to all sessions! Learn More, Save More! Secure Your Spot Today! Sessions will be scheduled during lunch hours, late afternoons, and early evenings (Eastern Time). Specific times will be confirmed in advance prior to each session. * This schedule is prepared in advance and may be subject to change without notice.	images/Events/2026_27_CIC.jpg

Date of Session 5: Thursday, May 28, 2026 from noon to 1:00 p.m.ET
Presenter: Tony Lengua, MBA, ECCP, CCE, CICP
Topic: Collection Ratios and Probability of Customer Payment Deterioration

Location:

Virtual: Zoom (A link will be shared one day prior to the event)
Remember: one-time registration grants access to all sessions! Secure Your Spot Today!

CIC Member PD Points: 10 professional development points for attending each session.

Presenter' s Bio:

Session 5:

Tony Lengua, MBA, ECCP, CCE, CICP

Tony is a dedicated and hands-on leader recognized for leading teams, implementing strategies, and achieving corporate goals, while maintaining a high level of customer service. Proven track record of delivering results in both Business to Business (B2B) and Business to Consumer (B2C) environments. Strong team player who coaches and mentors teams to protect financial interests and solve complex problems.

Using data analytics and statistics to identify issues and opportunities for improvement is also something I excel at. I have built models in Excel which encompassed customer data and analytics to assess exposure and credit risk. I can analyze financial statements very well and I have built Excel models with financial ratios to assess financial positions. I also like using Microsoft Visio to map out new processes and to improve existing processes and have used it on several new system implementations.

I collaborate well with teams across the organization to address and resolve issues within an organization. And my ability to effectively manage third party collection agencies has been a critical component to collecting past due payments from customers while maintaining the customer experience.

Additional areas of expertise include credit investigation, cash flow and variance analysis, delinquent accounts recovery planning, settlement negotiations, KPI, performance monitoring, performance management, credit and receivables process automation, team leadership and training, policy creation and implementation.

Topic: Collection Ratios and Probability of Customer Payment Deterioration

This CIC Connect session will explore how collection ratios can be transformed from simple performance measures into practical predictive tools for monitoring customer payment behavior and identifying early signs of credit deterioration, while showing how these measures can be incorporated into a structured analytical model for ongoing customer assessment.

The session will examine how ratio movements over time can help estimate the probability of payment deterioration at the individual customer level, allowing credit professionals to detect weakening payment discipline before accounts become seriously delinquent.

Attention will also be given to identifying threshold changes, comparing customer behavior against historical trends, and combining quantitative ratio analysis with qualitative account knowledge to support stronger credit and collection decision-making.

How to Join?

• FREE for CIC Members & Students – Included with your 2026-27 membership dues. Members are just required to do a one-time registration online for access to all sessions. Haven't renewed your membership yet? Click here to renew now »

Not a member? Be our guest. (Sign-Up For a User Account Now!)

• For Non-Members: $49.99 + tax for access to each individual session.

• $595.00 + tax for a bundled one-time registration that grants access to all sessions! Learn More, Save More!

Secure Your Spot Today!

Sessions will be scheduled during lunch hours, late afternoons, and early evenings (Eastern Time). Specific times will be confirmed in advance prior to each session.

* This schedule is prepared in advance and may be subject to change without notice.

PD Points
CCP and ACI members earn 10 Professional Development Points for attending this event.

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CIC Connect Program

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