The best finance company debt collection solution

Financial institutions require collections and recovery solutions that go far beyond traditional debt recovery. They demand comprehensive, AI-powered platforms that protect customer relationships, ensure regulatory compliance, and optimize operational efficiency across the entire credit risk lifecycle. With rising competition from fintech disruptors and ever-increasing customer expectations, legacy approaches no longer suffice.

C&R Software delivers an integrated, end-to-end finance company debt collection solution trusted by leading banks, credit unions, alternative lenders, and financial institutions worldwide. These solutions span the full lifecycle, from pre-delinquency intervention through to final resolution, empowering organizations to engage proactively with at-risk customers, preserve valuable relationships, and maximize recoveries.

Comprehensive Software for Banks

• Collections & Recovery: Our industry-leading, cloud-native solution supports every stage of the collections and recovery process, operationalizing advanced analytics and AI to optimize outcomes. With over $8 trillion managed and more than 500,000 users globally, we’re trusted by five of the top ten UK and seven of the top 15 US banks.
• Decisioning: Our embedded decision management tools enable institutions to optimize every action, including early warning, segmentation, pricing, underwriting, risk assessment, personalized treatment paths, and more. AI-powered models identify vulnerable customers before delinquency, ensuring the right intervention at the right time.
• Communications: Flexible, digital communication capabilities help you engage customers through their preferred channels - SMS, email, phone, chatbots, and more - while ensuring privacy and regulatory compliance across jurisdictions.
• Analytics & Insights: Harness powerful analytic models for segmentation, portfolio management, and performance optimization. Our open architecture seamlessly integrates with your existing systems, enabling real time data sharing and actionable insights to inform strategy.
• Compliance & Audit: Built-in rules, limits, and contact timelines automate compliance with complex, multi-jurisdictional regulations, reducing risk and simplifying operations.
• Configurability: 100% configurable workflows, user interfaces, and business rules help you adapt rapidly to regulatory changes, market shifts, and evolving customer needs, without the need for technical expertise.

Strategic Value for Financial Institutions

• Customer Retention: With acquisition costs exceeding $400 per new client in the US banking sector, retaining and rehabilitating existing customers is a strategic imperative. Our rehabilitation-focused approach helps preserve relationships and avoid unnecessary churn.
• Operational Efficiency: Unifying collections and recovery on a single solution eliminates fragmentation, reduces technical complexity, and lowers maintenance costs. Automated workflows and data synchronization streamline processes and empower teams to focus on high-value activities.
• Brand Enhancement: Humanized, empathetic engagement - supported by AI and automation - strengthens customer trust and loyalty, positioning you as a leader in responsible financial management.

Why C&R Software?

• Over 40 years of global domain expertise in finance company debt collection
• Proven scalability and flexibility for enterprise organizations
• Deep integration with core banking and financial systems
• Rapid time-to-value with cloud-native deployment
• Track record of on-time, on-budget implementations for the world’s most sophisticated institutions

Learn how our configurable, AI-native solutions can help you thrive in today’s dynamic financial landscape.