Modernize collections workflows, unify borrower engagement, and surface recovery analytics and operational visibility — running alongside your existing core banking system, not replacing it.
Across Kenya and the region, the operational reality of collections looks nothing like the dashboards inside core banking platforms. Field officers chase borrowers on WhatsApp, promises live in notebooks, and delinquency is only visible weeks after it begins.
Every capability lenders ask for, unified into one workflow surface.
Drafts Swahili/English messages, scores risk, and recommends the next-best-action per borrower.
Automated nudges, payment reminders, and conversation routing across collector teams.
Captures, schedules, and follows up every commitment automatically with reconciliation.
Bucket roll-rates, vintage cohorts, and exposure visibility across product lines.
Queue management, SLA timers, and AI-prioritized work lists for every officer.
Tiered escalations from soft nudge to field officer to legal — all auditable.
Live recovery feed, M-Pesa reconciliation, and board-ready operational dashboards.
The end-to-end collections lifecycle, instrumented from borrower contact to board-level recovery analytics.
Imported from your core system with full loan and exposure context.
AI drafts bilingual nudges, reminders and confirmations on the borrower's primary channel.
Commitments are captured, scheduled and reconciled against incoming payments automatically.
Broken promises and high-risk accounts route to the right officer with SLA timers.
Roll-rates, cohort recovery and operational KPIs visible to credit, ops and the board.
CollectHQ AI does not replace your core banking system. It plugs alongside it — surfacing borrower intelligence, automating engagement, and capturing collections activity that was previously trapped in WhatsApp and Excel.
Join SACCOs, MFIs and logbook lenders piloting AI-assisted recovery operations across Kenya. Book a consultative 30-minute pilot discussion with our team.