Smart collections
Prioritize your portfolio daily and handle each case with the right tone and timing.
In short
What is smart collections and how does it help reduce delinquency?
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.
Many collections teams work the portfolio by days past due: everyone at 30 days gets the same call. Time goes to people who would have paid anyway, and help arrives late for those who need an alternative.
With Certia, each case has a priority that changes with its behavior. A member who always pays and is late for the first time gets a reminder. Another showing signs of difficulty gets a relief proposal before falling behind. Commitments are visible to the whole team and nobody calls twice about the same thing.
Where it applies
Early delinquency
WhatsApp and SMS reminders before and right after the due date, with a payment link and a record of the reply.
Commitment management
Every promise to pay is recorded with date and amount, and the system follows up if it is not kept.
Timely restructuring
Spotting customers who could fall behind so alternatives are offered early, with your committee's approval.
What you get
- Daily portfolio segmentation
- Scripts and messages per segment
- Commitment tracking
- Recovery indicators by channel
Industries where it applies
Questions about this capability
Do the messages comply with collections regulations?
Hours, frequency and content are configured according to current regulations and your internal policies, and they are logged for audit.
Does it replace my collections team?
It takes repetitive work off their plate. Cases that need negotiation or judgment stay with your agents, now with better information.
Can I start with part of the portfolio?
Yes. We usually start with an early delinquency segment to compare results with your current process before expanding.
Other capabilities
- Origination and serviceServe and originate credit on every channel, with a pre-analysis built on your rules.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 capability
Let's talk about what your institution needs to solve.
A first conversation to understand your operation and tell you plainly where we can help, and where we can't.