What we build
A collections stack that prioritises — and earns the regulator's trust.
Each capability is a production component — not a proof-of-concept — wired into your stack, compliance-checked on every contact, and monitored continuously.
Repayment-probability models
Per-account probability of repayment across cure-curves, vintages, and delinquency stages — calibrated to your own book, not a global template.
Channel + cadence prediction
Best-channel selection (SMS, voice, WhatsApp, email, app-push) with learned cadence per cohort — minimises contact fatigue, maximises response.
Compliance-checked message generation
LLM-drafted messages with tone, disclosure, and language checks — aligned to MAS CCD, FDCPA, TCF, and local equivalents.
Sentiment + response classification
Incoming replies (voice, text, chat) classified into PTP, dispute, silence, broken-promise — with routing to the right next action.
Collector productivity analytics
Collector-level performance, fatigue detection, script-compliance scoring, and coaching-opportunity surfacing — built for ops and HR.
Settlement + offer modelling
Per-account settlement-propensity modelling, optimal-offer recommendation, and policy-cap-aware negotiation guidance — for when cure requires restructure.
Portfolios we analyse
One stack, every recovery motion.
Same segmentation, channel, cadence, message-generation, and response-classification infrastructure — tuned per portfolio. Shared core, per-portfolio models, per-jurisdiction rule packs. Every portfolio listed below runs on the same stack; only the cure curves, contact matrices, and settlement policies change.
Retail card collections
Revolving-debt recovery with payment-propensity modelling, soft-bucket + hard-bucket automation, and regulated contact cadence.
Personal loan recovery
Term-loan recovery across DPD buckets — early-stage automation, late-stage warm handoff, settlement offers within policy caps.
SME working-capital recovery
Business-loan recovery with cash-flow-aware cure paths, restructure modelling, and director-level communication.
Mortgage pre-foreclosure
Pre-foreclosure workout modelling — forbearance, loan modification, short sale — with regulator-aligned borrower communications.
Auto repossession management
Pre-repossession outreach optimisation, repossession-economics modelling, post-repossession deficiency recovery.
BNPL + digital default
Short-tenor recovery with high-volume message generation, chargeback-aware sequencing, and merchant-side recovery coordination.
Model families we deploy
No single model covers every contact. So we ensemble.
Each model family covers a distinct decision — who, what, when, how — blending their outputs into one prioritised queue gives you an edge a rules engine can't match.
Per-account probability of full, partial, or no repayment within a horizon — trained on your own book's cure curves.
Best-channel selection per account — combines historical response, communication preference, and device intelligence.
Learns the optimal send frequency per cohort to maximise response without triggering contact-fatigue or compliance breaches.
Classifies incoming replies (voice, text, chat) into PTP, dispute, hardship, silence — with confidence scoring and escalation triggers.
Data sources wired into every model
Every signal that moves recovery — integrated.
Pulled in parallel, normalised into a single account schema, versioned alongside the model that consumes them.
Evidence per contact
Every message. Every call. Every consent. On the record.
Every outbound contact comes with a timing check, language check, disclosure check, and hand-off trail. Every incoming response is classified, timestamped, and routed. Every audit request exports a complete per-account history in the formats your regulator expects.
- Per-contact compliance check trail
- Full channel + cadence history logged
- Vulnerability-signal audit trail (TCF)
- Aligned to MAS CCD, FDCPA, FCA TCF, RBI
Compliance & governance
Built for treat-customers-fairly regulators — not just recovery rate.
Regulator-ready from day one. Delivery includes jurisdictional rule packs, vulnerability workflows, complaint-handling hooks, and audit trails your compliance team and external regulator will want to see.
MAS CCD + local collection codes
Contact-timing rules, language requirements, permitted-channel matrices — pre-configured for each jurisdiction where you operate.
Treating Customers Fairly (TCF)
Vulnerability-aware message generation, hardship-detection cues, and settlement-offer fairness testing — aligned to FCA TCF and equivalent principles.
Consumer-protection law
FDCPA (US), CCA (UK), CCPA analogues, Singapore Consumer Protection Code — controls baked into message-generation and contact-cadence layers.
Data residency + privacy
Per-region data residency, GDPR / PDPA-aligned processing, right-to-be-forgotten workflows for closed accounts.
Contact-compliance monitoring
Real-time dashboards for contact volume, time-of-day compliance, language compliance, and cadence-breach alerts.
Audit trail per contact
Every message, call, response, and decision logged — exportable in regulator-ready formats.
Why Axccelerate for collections
Not a dialler.
A prioritised recovery stack.
A dialler dials. A scorecard scores. Our stack predicts who to call, what to say, when to call, and hands the right accounts to the right collector — with every contact compliance-checked.
Pricing
Priced to the portfolio, not the account volume.
Collections deployments are custom — we scope against your portfolios, call-center stack, and jurisdictions before quoting.
Glossary
The vocabulary behind every recovery.
A quick reference for the acronyms that show up in collections analytics — the terms your ops, compliance, and regulator will all use.
- PTP
- Promise to Pay
A commitment from the borrower to pay a specified amount by a specified date — the primary short-term collections success metric.
- DPD
- Days Past Due
Days elapsed since the earliest missed payment — the primary bucketing variable in collections analytics.
- Roll rate
- Bucket-to-bucket movement
The percentage of accounts in one delinquency bucket that move to the next bucket in a period — the key leading indicator for portfolio deterioration.
- Recovery rate
- Post-charge-off recovery percentage
The percentage of charged-off or written-off balance that is ultimately recovered — measured over a defined time horizon.
- Cure rate
- Return to good-standing rate
The percentage of delinquent accounts that return to good-standing without write-off — typically tracked per DPD bucket.
- OD
- Overdue
Any account with a payment past due, regardless of DPD bucket.
- Write-off
- Balance-sheet removal of loss
The accounting action of removing a defaulted loan from the balance sheet as an expected loss — typically at 180+ DPD for unsecured.
- CDR
- Cumulative Default Rate
The cumulative percentage of a vintage's accounts that have defaulted over a given period — used for portfolio-health comparisons.
- Forbearance
- Temporary payment relief
Temporary agreement to pause or reduce payments, typically offered during financial hardship — regulated in most jurisdictions.
- Restructure
- Permanent loan modification
Permanent modification of loan terms (rate, tenor, principal) to make payments sustainable — requires both parties' agreement.
- Workout
- Cure-negotiation process
The end-to-end process of negotiating a cure or recovery strategy with a delinquent borrower — covers forbearance, restructure, settlement, and charge-off.
- TCP
- Treating Customers Professionally (FCA)
FCA's predecessor to TCF; still used informally to describe conduct-aware collections.
- Conduct risk
- Customer-harm risk
The risk of customer harm resulting from business practices, policies, or staff behaviour — a central theme in modern consumer-credit regulation.
- FDCPA
- Fair Debt Collection Practices Act (US)
US federal law governing third-party debt collectors — timing, language, disclosure, and harassment controls.
Your collections queue, prioritised.
30-minute scoping with a senior engineer and an ex-collections operator. Portfolio diagnostic, integration plan, realistic rollout.