In our work our work in collections and risk over the past 15 years we have almost always used the concept of the ‘achievement staircase’ to demonstrate how progress to both efficient and effective collections operations involves a number of steps which ideally should be taken in the right sequence. The financial performance data from CCA’s very many clients and portfolios, when matched to the staircase, show a strong near-linear relationship with sustained innovation and investment programmes. So the more you put in, the more performance you get out…