Get early access
to AI-powered debt collection software
Test live call scenarios, explore communication libraries, and see how personalized
automation drives measurable results from day one.
Book a demo
Debt collection software
for
tailored strategies
Achieve the highest recovery rates with our AI-powered debt collection software and unique strategic
approach to each case.
Book a demo
Get automated debt collection
software for smooth workflows
In day-to-day struggles, financial teams are trying to balance efficiency, compliance, and customer
care. There's a smart way to solve these challenges.
Challenge
Borrowers ignore messages?
Solution
ML models personalizes tone, timing, and channel, making each interaction feel
relevant, respectful, and human.
Challenge
Low recovery rates?
Solution
Advanced neuro models select the best recovery strategy based on borrowers’ past
behavior and proven outcomes.
Challenge
Don’t know what works or why?
Solution
With smart software, you will get more transparency in workflows and thus identify
the most effective patterns.
Challenge
Debt collection is manual
and expensive?
Solution
Automate repetitive workflows and outreach — so your team can focus on high-impact
cases.
Challenge
Need solid compliance
and zero risks?
Solution
We ensure full compliance with local regulations and uses communication that
protects your reputation.
Challenge
Need to synchronize
all the tools?
Solution
No infrastructure rebuild required — our software unifies your channels and
workflows into one intelligent ecosystem.
Achieve tangible results with HES
25%
improve recoveries
Identify repayment potential with accuracy, prioritize viable cases, and apply strategies
that brings borrowers back into the repayment flow.
50%
get higher response rate
Break through borrower fatigue with personalized messaging with the right tone, timing, and
communication channel for every profile.
90%
reduce processing time and costs
Replace manual workflows with intelligent automation of outreach, segmentation, follow-ups,
and promise-to-pay tracking.
30%
increase customer satisfaction
Identify and address customers’ needs on time, helping them become debt-free more quickly.
Talk to the AI agent live
Enter your details — the agent calls in seconds, listens, adjusts, and moves the conversation
forward.
1
Verify your number
Tell us where to call and confirm the number with the code we send to your phone.
2
Take the call
The agent dials in seconds. Speak naturally, with interruptions, pauses and accents all
fine.
3
Share your feedback
Let us know how it went. Your feedback helps us make the agent even smarter.
Listen how the Agent handles different cases
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Why choose HES FinTech
as debt collection software
We know what lenders need
Our team has spent years developing lending software. With this background, we
understand the complexity of debt collection, one of the most demanding phases of the
lending cycle.
No simulated scenarios.
Only real data
Our ML models are built and trained on genuine lender datasets rather than synthetic or
static exports. They reflect financial behavior using transactions, communication records,
and repayment histories.
Seamless integration
For organizations with an existing client base or management system, our software integrates
seamlessly through API or bulk data import, automating the entire data acquisition process.
Data enrichment
Our debt collection software helps understand your debtors. It enriches the database with
alternative data sources, from digital footprints and social insights to behavioral
indicators that reveal repayment potential.
AI-driven insights
You get empowered with a transparent, data-enriched view of your portfolio’s health and
possible risks. As a result, segmentation gives you more accurate, fair, and consistent
decisioning and higher recovery rates.
Build recovery strategy in 7 simple steps
Data import and learning from the past
After the tool gains access to your debtor database, it analyzes historical borrower data to
identify and learn behavioral patterns from the past.
Data enhancement
Where permitted by your company policy or local regulations, AI can be backed up with
verified behavioral, social, and transactional data for further analysis.
AI-driven segmentation
Based on the available data, the AI agent creates borrower segments highlighting solvent
segments, as well as risk signals, such as fraud or unreachable profiles.
Omnichannel communication setup
Clients can set up communication templates for the segments via relevant regional and
digital channels:
Messengers, social media
Email and push notifications
AI calls, legal notices
Adaptive and contextual communication
Templates for messages can be defined by the client
based on various factors:
based on various factors:
Behavioral patterns depending on the case
Local language and cultural nuances
Tone and wording
Debt collection strategy
The AI orchestrator tailors an outreach strategy per debtor based on the earlier prompts and
restrictions from the client:
Prioritizes a scenario (reminders, soft pressure, retention)
Chooses optimal contact frequency and timing
Uses best-performing channels
Decides on the Next best action if defined in the prompt
Promise-to-pay monitoring
Once a debtor commits to pay, the system:
Adjusts future interactions based on the new status
Updates the strategy if the payment fails
Monitors the actual payment
Compliance
and data protection
Work in a fully secure and compliant environment. In every scenario, the system strictly
adheres to all contractual obligations and regional regulations that impact debt collection.
Alignment with local laws, agreements, and privacy requirements is automatically ensured.
Learn more
Get early access
Need more than debt management
and collection software?
Build a fully automated ecosystem powered by AI- and ML-technologies, effective at all stages of the
lending journey
I’m genuinely impressed by how this level of intelligent humanization transforms debt
collection. It’s a major step forward — both for the technology behind financial services
and for the people it ultimately serves.
Ivan Kovalenko, Co-Founder, HES FinTech
When we talk about AI in debt collection, the real breakthrough isn’t speed but precision.
Instead of relying on generic scripts or static workflows, lenders can now deploy adaptive
strategies — and that’s where the real impact happens.
Mark Rudak, AI Product Owner, GiniMachine
HES CollectionAgent was built on one idea — to make debt recovery smarter, not harder. By
combining automation with behavioral insights, we help lenders communicate more effectively,
reduce stress for teams, and improve repayment outcomes.
Dmitry Dolgorukov, Co-Founder, HES CollectionAgent
Strengthen
every key metric
in debt recovery
Get higher connect rates, stronger returns, and faster repayments from day one.
Book a demo
FAQ
Why not use Generative AI for writing messages?
We prioritize Control and Compliance. AI 'hallucinations' pose a legal risk in debt
collection. We use AI to determine who and when to contact, but we use approved Templates to
ensure what is said is 100% compliant and on-brand. This also allows for scientifically
accurate A/B testing.
Is this a fully automated debt collection software?
It is Intelligent Automation. We automate the process (segmentation, sending, tracking) to
cut 90% of your manual work, but we keep the message content under your control to ensure
compliance and brand safety.
Do you offer automated debt collection software for regulated financial institutions?
Yes. Our solution is designed for banks, credit unions, microfinance organizations, and
other regulated lenders. It supports industry-specific compliance requirements, secure data
handling, role-based access control, audit trails, and customizable workflows that meet
internal and regulatory standards, such as FDCPA, GDPR, and similar local laws.
Is your debt recovery software customizable for different business models or industries?
Yes. The system is fully customizable to fit different lending models, industries, and
operational workflows. You can adjust recovery strategies, communication rules, user roles,
risk scoring, and integration options to match your processes.
What outreach channels are supported by HES CollectionAgent?
The system supports a full range of digital and voice channels, including SMS, email
notifications, automated calls, and text-to-speech voice messages. Depending on your local
regulations, additional channels such as messengers or push notifications can also be
enabled.
Does your debt collection software solution handle accounting and reconciliation?
We are a specialized Collection Engine, not a Core Banking System. We integrate seamlessly
with your existing ledger to ensure data integrity, rather than trying to duplicate complex
accounting processes.
Where is the data hosted in your debt management and collection software?
We offer a cloud-agnostic approach. Your data is encrypted and secure, giving you the
flexibility to deploy according to your corporate standards without being locked into a
specific vendor's local data center.
How complex is the setup of HES debt collection software?
Our API-first design and bulk import capabilities mean we can start ingesting your data and
training the models immediately. You see value in weeks.
