Question 1

How do your solutions leverage AI in credit risk management?

Accepted Answer

C&R Software delivers advanced AI credit risk software. Cutting-edge AI technology is an intrinsic part of solution functionality, leveraging data and analytic tools to improve and adapt over time for continued innovation.

At the core of C&R Software’s offerings is Debt Manager, the world’s leading SaaS solution for collection and recovery. Built on a highly configurable open architecture with AI interoperability, C&R Software Debt Manager seamlessly integrates with FitLogic, our AI-powered decisioning platform. 

Whether embedded or used as a stand-alone modifier throughout the credit risk lifecycle, FitLogic ensures every decision is data-driven, intelligent, and context-aware. It facilitates real-time strategy adjustments by combining powerful predictive and advanced analytics with a user interface accessible to both technical and business users. This powerful combination provides unparalleled support from pre-collections to account closure, ensuring every stage of the process is optimized for success.

Question 2

How do you support the entire credit-risk lifecycle?

Accepted Answer

Every customer interaction is an opportunity to enhance outcomes, build loyalty, and deliver an exceptional customer experience. C&R Software is committed to leveraging AI-powered analytics for credit risk management to help creditors make smarter decisions, reduce risk, and foster long-term customer relationships.

Solutions like C&R Software Debt Manager and FitLogic enhance decision-making at every stage of the credit risk lifecycle, from originations to customer management to collections and recovery. These platforms integrate diverse data sources to provide a holistic view of customer behavior and preferences.

AI-native insights are foundational to delivering the personalized care customers expect at every touchpoint. Not only does a customer-centric approach improve outcomes across the customer journey, but it also enhances loyalty and satisfaction.

By leveraging machine learning, our AI credit risk software continuously learns from new data, improving predictive accuracy over time. This advanced technology adapts to changing market conditions and new regulatory requirements as well.

Question 3

Does your AI credit risk software adhere to regulatory requirements?

Accepted Answer

Yes, C&R Software’s credit risk AI software is designed to help creditors comply with regulatory requirements such as GDPR, TCPA, FDCPA, and more. Our highly configurable platform adapts to the latest rules and regulations fast, helping you avoid costly downtime and even more costly regulatory fines.

Our industry-leading collections platform is routinely audited by tier-one institutions across the globe, ensuring that we’re always up to date with the latest security standards. Debt Manager is PCI-DSS and PA-DSS certified, and it also maintains compliance with SOC2 and ISO 27001:2022 standards, demonstrating our continued commitment to securing customers’ personally identifiable information (PII).

Question 4

How do you keep customer data safe?

Accepted Answer

C&R Software is committed to leveraging the latest AI-native technologies in a responsible and transparent manner. Our AI credit risk management solutions incorporate robust data protection measures like encryption, access controls, and regular security audits to secure customer data. Clear policies for data collection, storage, and use mitigate risk while maintaining compliance with the strictest industry standards.

The responsible use of AI is a top priority for the team at C&R Software. This technology is managed by a comprehensive governance framework that outlines principles, policies, and procedures for AI development, deployment, and operation. Roles, responsibilities, and accountability mechanisms are clearly defined to ensure safety and security are prioritized throughout the organization.

Additionally, zero-trust architectures and AI-native anomaly detection systems help ensure AI systems adhere to established standards. Regular audits and assessments proactively identify and mitigate risks to ensure our security posture is consistently up to date.

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