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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

Achieve tangible results with HES Collection Agent

Identify repayment potential with accuracy, prioritize viable cases, and apply strategies that brings borrowers back into the repayment flow.
25%
improve recoveries
Break through borrower fatigue with personalized messaging with the right tone, timing, and communication channel for every profile.
50%
get higher response rate
Replace manual workflows with intelligent automation of outreach, segmentation, follow-ups, and promise-to-pay tracking.
90%
reduce processing time & costs

Listen how the Agent handles different cases

Smooth

Tough

Critical

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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.

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

step step step step step step step

1

Analyze
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.

2

Enrich
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.

3

Classify
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.

4

Plan
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

5

Optimize
Adaptive and contextual communication
Templates for messages can be defined by the client
based on various factors:
Behavioral patterns depending on the case
Local language and cultural nuances
Tone and wording

6

Refine
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

7

Track
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.
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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

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
HES LoanBox
End-to-end loan automation tool, with the flexibility to be tailored for lender’s needs and deployed as modular microservices.
Learn more
GiniMachine
No-code AI solution for building models for credit scoring, fraud detection, risk assessment, and debt collection.
Learn more
HES Collection Agent
AI-powered communication and strategy tool, adapting to business needs, client behavior, and local compliance.
Book a demo
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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, Founder & CEO, HES FinTech
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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
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HES Collection Agent 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 Collection Agent

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?

Is this a fully automated debt collection software?

Do you offer automated debt collection software for regulated financial institutions?

Is your debt recovery software customizable for different business models or industries?

What outreach channels are supported by HES Collection Agent?

Does your debt collection software solution handle accounting and reconciliation?

Where is the data hosted in your debt management and collection software?

How complex is the setup of HES debt collection software?