AR & Debt Collections Software for Banks, Lenders & Fintechs
Maximize recovery. Stay compliant. Treat customers fairly. CollectXpert gives banks, lenders, BNPL providers, and fintechs a Salesforce-native collections platform with risk-based workflows, full audit trails, and the regulatory guardrails financial-services teams need.
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Why finance teams choose CollectXpert
Risk-based segmentation out of the box
Segment accounts by risk score, days past due, exposure, vulnerability flags, and predicted-to-pay probability. Apply differentiated workflows automatically — soft digital outreach for self-curing accounts, agent assignment for high-risk balances.
Built-in compliance and audit trails
Every action — from a dunning email to a workflow pause — is logged with timestamp, actor, and rationale. Full audit history supports FDCPA, CONC, ASIC RG 96, GDPR, and internal compliance reviews.
Hardship and vulnerability workflows
Mark accounts as hardship with one click. Pause dunning automatically, route to specialized agents, document arrangements, and resume only when the customer is ready.
Role-based access control
Granular permissions ensure agents only see and act on the accounts they’re authorized to touch. Critical for SOC 2, ISO 27001, and APRA CPS 234 environments.
Finance use cases
Consumer lending and BNPL collections
Multi-stage digital-first dunning with auto-escalation to outbound calls when self-cure fails. Configurable cure-period rules per loan product.
Mortgage and secured-loan arrears
Long-cycle workflows with hardship pauses, broker communication touchpoints, and pre-foreclosure compliance gates.
SME and B2B credit collections
Customer 360 view shows full exposure across multiple facilities. Coordinate communications across relationship managers and collections agents.
Disputed-debt and chargeback workflows
Built-in dispute management routes contested charges to investigation, pauses recovery activity, and resumes automatically once the dispute is resolved.
Integrations finance teams need
- Core banking platforms (Temenos, FIS, Finastra, Mambu)
- Loan servicing platforms (Black Knight, Fiserv)
- Salesforce Financial Services Cloud
- Credit bureaus (Equifax, Experian, illion) for risk-score refresh
- Payment processors (Stripe, Adyen, GoCardless, ACH/BACS)
- SOC 2-compliant data warehouses for risk modeling
Frequently asked questions
Is CollectXpert compliant with financial collections regulations?
CollectXpert provides full audit trails, role-based access control, and configurable dunning constraints to support compliance with regulations like the FDCPA (US), CONC (UK), ASIC RG 96 (AU), and GDPR. Specific compliance certifications depend on your implementation; contact us for details.
Can CollectXpert handle hardship and vulnerability cases for lenders?
Yes. CollectXpert includes dedicated hardship and vulnerability workflows with configurable pause/resume/skip dunning logic, vulnerability flags, and dispute management — all with full audit history.
Does CollectXpert support risk-based collections strategies?
Yes. CollectXpert segments accounts by risk profile, days past due, exposure, and predicted-to-pay scoring, then applies differentiated workflows so high-risk accounts get prioritized agent attention while low-risk accounts self-cure through digital channels.