Collect CRIF Credit Framework
for Energy / Utilities

Collect more with less with a flexible approach that leverages all internal and external resources, from data, analytics to process optimization and agency management.


  • Fluctuating credit conditions and evolving customer base
  • Lack of tools & competences to innovate collection practices
  • Outsource collection activities

Strategic Responses

  • Proactive approach to delinquency management
  • Fully exploit data potential through predictive analytics
  • Adopt a customer centric approach
  • Minimize loan loss provisions and reduce costs through continual process and resource optimization
  • Reduce time-to-action and time-to-recovery

Offerings from Strategy to Solutions

Debt Collection Analytics

  • Portfolio segmentation & scoring
  • Roll rate analysis
  • Strategy elaboration
  • Provisioning optimization
  • Leverage data and analytics to segment, automate and continually improve

Best Practice Debt Collection

  • Process re-engineering, from quick-wins to strategicmeasures
  • Well defined set of processes from early to late stages
  • Differentiating collection processes(by segment, aging, risk, exposure, collaterals, …) while leveraging analytics
  • Carefully measure collections performance
  • Introduce a target driven collection organization
  • Better manage third party collection agency performance
  • Better manage third party collections performance
  • Improve organizational flexibility by combining internal resources with outsourcing and external skills
  • Strengthen relationship with outsourcers through strategic partnership approach

Streamlining Debt Collection & Recovery

  • Single view of customer
  • Champion-challenger approach
  • Optimize resources, both internal & external
  • Integrate debt collection agencies into the
  • Entire collections and recovery process
  • Take prompt actions as early as possible
  • Apply a multi-channel approach in contacting customers
  • Attain highly automated, paperless processing
  • Flexible promise-to-pay negotiation and follow-up
  • Action tracking, monitoring & fine-tuning
  • Reliable, innovative supporting infrastructure
  • Integrated business intelligence & reporting