Debt buyers
Debt buyers

Data driven debt collection software for debt buyers

Streamlined collections with integrated AI, machine learning and automation in one end-to-end debt collection software for debt buyers.

What challenges do we solve?

Precision valuation in a high stakes marketplace

Every percentage point matters. With millions at stake and razor thin margins, even a small miscalculation in portfolio value leads to significant losses.
Powerful AI, analytics, and machine learning extract meaningful insights from your data. Compare prospective purchases, maximize IRR, and ensure your bids reflect true value.
Challenge
01
Challenge
Accurate portfolio valuation and risk analysis
Making multi-million dollar purchasing decisions in the debt market leaves little room for estimation errors. Reliable, AI powered tools are essential for extracting, analyzing, and comparing data to determine true portfolio value and make informed, confident decisions.
Debt buyers know-how

Our experience and know-how

Validate and segment with software for debt buyers

The flexibility on the front end is matched only by the same level of flexibility on the back end. Unlimited testing determines exactly what strategies, processes, and configurations optimize results. Experiment with new collection workflows, adjust analytic models, and integrate AI and machine learning techniques. Refine your approach without constraints.
This end-to-end adaptability means you can introduce new data sources, adjust risk assessment models, and pilot alternative repayment schedules, while maintaining seamless user experiences and strong performance. Confidently scale, optimize, and innovate, turning everyday adjustments and big picture transformations into controlled, data driven progress.

Testimonials

Proven results

“We deploy AI-native chatbots and personalized outreach at scale, delivering a more human, respectful experience for consumers while accelerating collections performance.”

Anders Wallin

Former CIO

Hoist Finance, Sweden

“Understanding your data and fine tuning the process is key for success. Quality and availability of data is essential.”

VP Risk Management

US debt buyer

Our solutions

Find the perfect solution for your needs

Better decisioning everywhere
Transform complex data into smarter decisions across the credit lifecycle with a powerful, business-friendly decision engine.
All-in-one collections solution
Streamline your collections process with an industry-leading solution that automates workflows and maximizes productivity and improves collections.
Add-on
Zel AI
For Debt Manager
Intelligent collections powered by AI
Optimize every customer interaction with AI-powered insights that increase efficiencies and drive better outcomes.

Debt collection for debt buyers

Operating at the intersection of opportunity and risk

Our Expertise 1
62
countries with active clients
Our Expertise 2
$8 trillion+
managed worldwide
Our Expertise 3
20
industries supported, more than any other provider

C&R Software offers AI-native analytics for precise portfolio valuation, always on access to accurate data, and scalability to keep pace with rapid growth.

Flexibility across the board streamlines due diligence and compliance, with real time analysis empowering fast, confident moves, even in volatile markets. Transform uncertainty into clear, actionable insights for better, safer outcomes.

Comprehensive Product Suite for Debt Buyers

  • Collections & Recovery: C&R Software’s Debt Manager supports every phase of the debt buying lifecycle, from onboarding and segmentation to post-charge-off recovery. Advanced analytics and AI enable you to prioritize accounts, assign the right resources, and maximize liquidation rates.
  • Decisioning: C&R Software’s FitLogic assesses portfolio risk, segments accounts, and automates treatment strategies for faster, more effective recoveries.
  • Digital Communications: Reach consumers through SMS, email, phone, chatbots, and more to maintain timely, compliant engagement and higher response rates.
  • Portfolio Management: Real time dashboards and analytics provide visibility into portfolio performance, agency effectiveness, and recovery trends.
  • Compliance & Audit: Built-in rules, limits, and contact timelines automate compliance, reducing risk and simplifying audits.
  • Configurability: 100% configurable workflows and business rules adapt rapidly to regulatory changes, new market opportunities, and evolving consumer needs.

Why C&R Software for Debt Buyers?

  • Over 40 years’ global expertise in debt buyers debt collection
  • Trusted by leading debt buyers and portfolio managers worldwide
  • Seamless integration with acquisition, servicing, and compliance systems
  • Rapid, cloud-native deployment for fast time-to-value
  • Proven track record of maximizing portfolio returns and compliance

Unlock the full value of your portfolios with intelligent, compliant collections and recovery.

Learn more

Frequently asked questions