The Collections Intelligence Gap
Traditional Systems React. RiverCredit™ Predicts.
Most collections platforms:
- •Follow static workflows
- •Contact customers blindly
- •Offer generic repayment plans
- •Check compliance after the fact
RiverCredit™ uses adaptive AI models to:
- Predict behaviour before risk escalates
- Optimize contact strategy dynamically
- Design fair repayment solutions automatically
- Embed compliance intelligence in real-time
AI Engines Driving Performance
Three intelligent engines working in harmony to transform your collections strategy
Cognitive Recovery Engine (CRE)
Advanced AI models analyze multiple data points to make intelligent decisions that maximize recovery rates.
AI models analyse:
Payment history, arrears velocity, contact outcomes, behavioural patterns, and affordability signals
To dynamically:
Select optimal channels & timing, recommend next-best actions, generate personalized repayment plans, and prioritize high-yield accounts
Result:
Higher cures. Lower cost-to-collect.
Vulnerability Signal Engine (VSE)
Machine learning models detect early warning signs of customer distress, enabling ethical and proactive intervention.
Detects early signs using:
Behavioural shifts, broken arrangements, contact avoidance, sentiment signals, and risk acceleration patterns
Ethical routing:
High-risk accounts are automatically routed to specialized teams before escalation occurs
Result:
Reduced complaints. Fairer outcomes.
Compliance Logic Layer (CLL)
AI doesn't replace compliance — it embeds it. Every action is validated, logged, and audit-ready.
Every action is:
- Validated against policy rules
- Logged with explainable reasoning
- Aligned to Consumer Duty requirements
- Audit-ready in real time
No black box decisions.
Full transparency and accountability.
Measurable AI Impact
Built for Outcomes That Matter
Cure Rate Uplift
AI-driven strategies consistently outperform traditional approaches in recovery success
Complaint Volumes
Reduce customer complaints through ethical, personalized engagement strategies
Manual Intervention
Automate routine decisions while focusing human expertise where it matters most
Cost-to-Collect
Optimize resource allocation and reduce operational costs per account
Audit Confidence
Complete transparency and documentation for regulatory compliance
Operational Efficiency
Streamline workflows and accelerate decision-making across your portfolio
RiverCredit™ learns from every interaction — continuously refining strategy across your portfolio.
Explainable AI by Design
Unlike opaque AI systems, RiverCredit™ provides complete transparency into every decision.
Clear decision drivers
Understand exactly why the AI made each recommendation
Feature importance indicators
See which data points influenced each decision
Model version tracking
Full audit trail of AI model changes and updates
Override logging
Track when and why human operators override AI decisions
Bias monitoring
Continuous monitoring for fairness and equity
Enterprise-grade AI governance built in.
Built for Modern Lending
API-first. Cloud-native. Secure-by-design.
Lenders & Credit Cards
Transforming credit management for banks, near-prime, and digital lenders across £200bn+ UK unsecured credit market
Debt Purchasers & Credit Managers
Data-led responsible collections for portfolio managers handling tens of millions of accounts
Utilities (Energy & Water)
Vulnerable-customer protocols and ethical recovery for 54m+ energy and water accounts
Telecoms (Mobile & Broadband)
Fairness and device-finance management for 90m+ mobile connections and 25m+ broadband lines
Housing & Councils
Homelessness prevention and responsible recovery for 2.6m+ housing association homes and council tax
BNPL & Retail Credit
Affordability and brand protection for 10–15m UK users ahead of FCA regulation
The AI Control Layer
Not a CRM. Not a Dialler. An Intelligence Layer.
RiverCredit™ integrates with your existing systems and enhances them with predictive intelligence, optimisation logic, and compliance automation.
You keep your core infrastructure.
We power the decisions.
AI-Native
Built for AI
Financial Uplift
Measurable ROI
Risk Reduction
Compliance First
Enterprise Safe
Production Ready