INTEGRATED SOLUTIONS

End-to-End Credit
Management Solutions

Comprehensive solutions across the credit lifecycle — from early-stage arrears to complex non-performing portfolios

Credit Recovery Legal & Asset Debt Purchase Outsourcing
Service 01

Credit & Debt Recovery

Full-cycle management of diverse portfolios across the financial and real economy, utilizing data-driven segmentation and skilled human engagement.

Risk-Based Segmentation Multi-Channel Engagement Real-Time Analytics
360°
Portfolio Management
100%
Documented
24/7
Monitoring
Real-Time
Reporting
Multi
Channel

Portfolio Types We Manage

Retail & SME Lending

Personal loans, business loans, and SME facilities

SACCO & Cooperative Loans

Member loans and cooperative society portfolios

Digital & Mobile Lending

App-based loans and digital credit facilities

Credit Cards & Overdrafts

Revolving credit and overdraft facilities

Insurance Recoveries

Premium recoveries and claims management

Commercial Receivables

Trade credit, rental, and B2B receivables

Our Recovery Methodology

STEP 1

Segmentation

Risk and behavior-based portfolio segmentation

STEP 2

Escalation Matrix

Defined escalation pathways for each segment

STEP 3

Skilled Engagement

Professional negotiators using psychology

STEP 4

Performance Tracking

Real-time analytics and optimization

Service 03

Debt Purchase & Portfolio Advisory

Strategic support for institutions seeking to exit, restructure, or optimize distressed portfolios with execution-grounded advisory.

Portfolio Advisory

  • NPL portfolio evaluation and pricing support
  • Due diligence and risk assessment
  • Workout and restructuring strategies
  • Balance-sheet clean-up advisory
  • Strategic input for banks and regulators

Who We Serve

Banks SACCOs MFIs Digital Lenders Asset Managers Regulators

Purchased Debt Management

  • Outright portfolio purchases
  • Professional collection management
  • Legal and enforcement coordination
  • Transparent reporting and settlements
  • Compliant debtor engagement

Our Advantage

Advisory work grounded in execution reality, not theory. We understand portfolios because we manage them daily.

Portfolio Advisory Process

STEP 1

Initial Review

STEP 2

Data Analysis

STEP 3

Strategy Design

STEP 4

Implementation

STEP 5

Optimization

Service 04

Credit Outsourcing & BPO

Scalable credit outsourcing solutions that reduce fixed costs while improving recovery outcomes through flexible engagement models.

Dedicated Teams Performance-Linked Scalable

Cost Reduction Benefits

↓ 40-60%
Fixed Cost Reduction
No hiring, training, or infrastructure
↑ 30%+
Recovery Improvement
Specialized expertise applied
100%
Scalability
Flex up or down as needed

Dedicated Recovery Teams

Full-time teams assigned exclusively to your portfolio

  • Brand-aligned agents
  • Custom scripts & workflows
  • Direct supervision
  • Monthly reporting

Hybrid Models

Combination of in-house and outsourced resources

  • Peak capacity management
  • Specialized segments
  • Cost optimization
  • Flexible scaling

Performance-Linked Programs

Pure commission or success-based fee structures

  • Zero upfront costs
  • Results-driven
  • Risk sharing
  • Aligned incentives

Back-Office Credit Operations

Comprehensive support services to augment your credit management infrastructure

Data Analytics

Portfolio insights & segmentation

Call Center Ops

Inbound & outbound support

Documentation

Compliance & audit trails

System Management

CRM & workflow automation

TECHNOLOGY PLATFORM

Technology-Enabled. Human-Led.

Modern, secure, and scalable collections technology stack that enhances judgment without replacing it

Portfolio Management

Secure uploads and lifecycle tracking

Automated Workflows

Communication triggers and escalation

Promise Management

PTP tracking and negotiation tools

Real-Time Analytics

Performance dashboards and metrics

Call Center Platform

Productivity tools and QA monitoring

System Integration

Client systems and CRB connectivity

Technology enhances judgment — it does not replace it

Ready to Discuss
Your Specific Needs?

Every portfolio is unique. Let's build a recovery strategy tailored to your specific challenges and objectives.

Schedule a Consultation Learn More About Us

Or reach out directly

+254 XXX XXX XXX info@optivus.co.ke