This document discusses recommendations for optimizing a lending program's recovery efforts. It begins by reviewing current delinquency rates and procedures. It then outlines various internal and external risk mitigators that can help, such as strong dealer contracts, early delinquency indicators, insurance tracking, and data-driven recovery providers. The document advocates building a robust recovery model with compliance-focused processes and resources like license plate recognition. It concludes by promising recommendations to strengthen the lending program's recovery optimization.