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.
approach to each case.
Achieve tangible results with HES Collection Agent
Why choose HES FinTech
as debt collection software
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.
the complexity of debt collection, one of the most demanding phases of the lending cycle.
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.
static exports. They reflect financial behavior using transactions, communication records,
and repayment histories.
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.
seamlessly through API or bulk data import, automating the entire data acquisition process.
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.
alternative data sources, from digital footprints and social insights to behavioral
indicators that reveal repayment potential.
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.
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.
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.
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.
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:
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:
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.
adheres to all contractual obligations and regional regulations that impact debt
collection. Alignment with local laws, agreements, and privacy requirements is
automatically ensured.
Test live scenarios and see AI-powered debt collection software in action.
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
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.
deployed as modular microservices.
GiniMachine
No-code AI solution for building models for credit scoring, fraud detection, risk assessment,
and debt collection.
and debt collection.
HES Collection Agent
AI-powered communication and strategy tool, adapting to business needs, client behavior, and
local compliance.
local compliance.
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.
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
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.
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 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.
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.
