Six capabilities that share data, controls and traceability. Choose where to start.
Start with the one you need most. The others build on the same data and controls later, without starting over.
See the operating model
Origination and serviceServe and originate credit on every channel, with a pre-analysis built on your rules.View capability
Smart collectionsPrioritize your portfolio daily and handle each case with the right tone and timing.View capability
Identity and fraudVerify every person at onboarding and catch impersonation before disbursement.View capability
Offensive cybersecurityTest your channels the way an attacker would, and fix what exposes you most first.View capability
Data and decisionsTurn your data into indicators your committee reads on Monday and uses that day.View capability
Technology operationsHand sensitive processes to a back office that grows or shrinks with your demand.View capabilityOrigination and service
Certia connects your service channels (WhatsApp, web, branches and call center) to an origination flow that gathers documents, runs a pre-analysis with your risk rules and hands your analyst a file ready for a decision. Every step is logged and the customer always knows the status of their application.
View capabilitySmart collections
Smart collections uses payment and behavior data to decide whom to contact, when, through which channel and with what message. Certia segments your portfolio every day, records payment commitments and escalates gradually, from a friendly reminder to personal follow-up, so you recover more without wearing down the relationship with your customers.
View capabilityIdentity and fraud
Certia combines document validation, liveness checks and device and behavior signals to confirm that a person is who they say they are when opening an account or applying for credit. Risky applications go to review and the rest move on without extra steps, so you reduce fraud without penalizing honest customers.
View capabilityOffensive cybersecurity
Offensive cybersecurity tests your systems the way an attacker would, with authorization and agreed rules, to find weaknesses before they do. Certia continuously assesses your applications, digital channels and infrastructure, prioritizes what exposes your institution the most and works with your team until every finding is closed.
View capabilityData and decisions
Certia consolidates information from your systems (core, collections, channels and risk) into clear indicators for every level of the organization. The committee sees trends and alerts, each manager sees their targets and each team sees the day's cases. You can also ask questions in plain language and get the answer with the source of the data.
View capabilityTechnology operations
It is a team with its own platform that runs, on your behalf, the sensitive processes around your core business: reconciliations, validations, data loads, monitoring and support for AI solutions. Certia combines automation and trained people, with service level agreements and traceability, so your operation can handle peaks without overhiring.
View capabilityFor teams that already run the basics. Each specialty builds on the six core capabilities and is switched on when your operation needs it.
Origination and underwriting
A first conversation to understand your operation and tell you plainly where we can help, and where we can't.