Collections software for banks operating at tier one scale

Trusted by the world’s leading banks

The banking landscape is changing fast. Customer expectations are shifting fast, and digital first competitors are reshaping the market.

AI offers new opportunities to improve efficiency and customer outcomes. But for large banks, transformation is rarely straightforward.

Many teams operate across multiple countries, business units, and legal entities, supported by complex technology environments built over decades. Data is often fragmented across systems. Compliance requirements vary by jurisdiction. Introducing new technologies can create significant operational risk.

C&R Software helps banks modernize collections and recovery without disrupting the infrastructure they rely on every day. Debt Manager brings together data, decisioning, communications, compliance controls, and AI driven insights in a single platform. Banks improve performance while maintaining the governance, security, and transparency regulators expect.

Today, Debt Manager manages more than $8 trillion on behalf of banks in over 60 countries. This includes five of the top 10 UK banks and seven of the top 15 US banks.

Technology built for modern banking

• Collections & Recovery: Unify collections and recovery operations across products, business units, countries, and subsidiaries. Debt Manager supports the complete collections lifecycle, from early intervention through charge-off and recovery, providing a consistent operating model across the enterprise. Trusted by banks managing more than $8 trillion in assets worldwide.
• AI Powered Decisioning: Identify at risk customers earlier and deliver the right treatment at the right time. Debt Manager combines predictive analytics, machine learning, and explainable decision management to support segmentation, treatment strategies, vulnerability identification, payment arrangements, and recovery optimization. Unlike black box models, every decision remains transparent and auditable.
• Communications & Customer Engagement: Deliver personalized customer experiences across SMS, email, phone, and other digital channels. Automated communication strategies help banks increase engagement. Built in rules ensure outreach remains aligned with customer preferences, consent requirements, and local regulations.
• Open Integration: Modernize without replacing core banking systems. Debt Manager integrates with core platforms, payment systems, and more through extensive API and batch integration capabilities. Its open architecture ensures banks can connect siloed information across the enterprise.
• Analytics & AI Insights: Turn collections data into actionable intelligence. Real time dashboards, AI powered reports, and performance monitoring give collections, risk, and operations teams the visibility they need. Continuously optimize strategy and improve outcomes.
• Compliance & Governance: Built for highly regulated banking environments. Debt Manager is ISO 27001, SOC 2, and PCI-DSS certified. Configurable rules, workflow controls, communication limits, audit trails, and role based security help banks maintain compliance across multiple jurisdictions while protecting sensitive customer information.
• Agentic AI Framework: Bring AI into collections safely and responsibly. Debt Manager's agentic framework enables banks to deploy AI agents for any use case. Maintain human oversight, explainability, and governance for regulated decisions.

Strategic value for banks

• Faster modernization: Deliver innovation without replacing core banking infrastructure.
• Improved collections performance: Use AI, analytics, and decisioning to reduce losses and improve recoveries.
• Stronger customer relationships: Support customers with personalized, digital-first engagement throughout the collections journey.
• Enterprise wide consistency: Standardize processes across products, countries, subsidiaries, and third party partners.
• Confident compliance: Maintain auditability, governance, and security across every customer interaction.