According to an aspect, a technology system maintains an account data specifying the details of multiple accounts including a specific set of accounts as being delinquent. Upon receiving a feature set to be used, the system clusters the multiple accounts into groups based on the feature set. The system generates a multi-classification model for assignment of agents to the accounts based on the group qualifiers associated with the groups and the feature set. The system then identifies a target group likely to present problems with debt collection, assigns, using the multi-classification model, a corresponding agent for each account of the group and determines a recommended recovery strategy for each assignment. The system provides the details of the group, the corresponding agents assigned and the recommended recovery strategy for each assignment.