People are hard-wired to find patterns. Whether it’s a picture, sound, or behavior, we look for patterns in everything. Businesses are good at detecting patterns in customer behavior. They’re not so good at predicting behavior - especially when it comes to who is going to default on a payment. Katrina Nilsen is a Collection Manager, and TsiTsi Chiwara is a collector at MetCredit. Part true-story, part true-confessions, Katrina and TsiTsi join Andreas in studio and offer up some surprises to help businesses demystify the types of debtors, and how to manage them.