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Clever

Clever is an omnichannel and client-centric collection hub. It is a complete and streamlined solution for flexible and configurable debt collection management.

What is CRIF Clever?

Clever delivers automation and end‑to‑end control of late‑collection and recovery activities through a single platform that streamlines every step of the process. It brings together workflow orchestration, system integration, and decision management in an intuitive web interface, supported by centralized data storage, built‑in analytics, and comprehensive reporting.

The platform enables proactive, efficient management of the entire collection cycle, from analysis and segmentation to strategy design, execution, and performance tracking.

A modular architecture supports all process phases and customer segments.

Why Clever?

Clever allows an organization to achieve a more effective management of accounts in arrears through a structured definition of tasks, assignments and policies alongside constant enforcement and monitoring, thus enabling significant process streamlining and automation.

It allows lenders, telco/media and energy/utility firms to collect more with less in a smarter, easier way.

Clever can suit the needs of many different types of organizations, providing immediate support for delinquency management, with a minimal set-up effort.

How does it work?

Clever is an omnichannel and client-centric collection hub: a dedicated software platform for the complete and streamlined management of debt collection. Different modules in the solution support the organization for the end-to-end handling of the process phases and customer segments.

Process phases

  • Analysis – The analysis of each customer account, their related exposure and performance information allows the assessment of the case severity and guarantees the possibility to undertake informed decisions.
  • Decision – Data can be elaborated through the Clever decision engine graphical interface, with the possibility of deriving indexes and measures.
  • Execution – Clever comes with an intuitive web-based front-end designed around collectors and their requirements. All significant data pertaining to the collection case are displayed and organized in a way that facilitates case inspection and the collector’s work.
  • Monitoring – It provides a rich set of information describing each action undertaken on a collection case. This data is held within the Clever database enabling extensive monitoring and effective process control.
  • Architecture – The architecture combines workflow management, batch calculation, a decision engine and business intelligence into a single platform.

The Clever solution delivers a core architecture providing the key elements for supporting the collection process. Additional optional modules can be implemented and seamlessly integrated into the software to provide more specialized and detailed functionality.

This flexibility allows the solution to adapt easily to the needs of the organization and grow as the capabilities and requirements of the team expand.

CRIF professionals can help realize these benefits through consultancy, setup, training, configuration and ongoing support.

Key Benefits

  • Lower NPL ratio

    More accurate segmentation and tailored recovery strategies help prevent overdue positions from slipping into default, reducing the overall share of non‑performing loans.

  • Lower cost of risk

    Better data, scoring models, and early‑warning insights improve risk assessment and intervention timing, lowering the financial impact of deteriorating exposures.

  • Lower operating costs

    Automated workflows and centralized case management reduce manual effort, streamline activities, and allow teams to handle more cases with fewer resources.

  • Shorter time to recovery

    Optimized processes, real‑time monitoring, and faster decisioning accelerate the entire recovery cycle, shortening the time needed to bring accounts back to performance.

  • Higher recovery rates

    More precise segmentation, tailored action plans, and automated workflows help collectors focus on the most effective strategies, increasing the overall amount recovered from overdue accounts.

  • Lower provisions

    Improved recovery performance and earlier risk mitigation reduce expected losses, allowing institutions to set aside fewer funds for credit deterioration.

Success Stories

How we helped our clients unlock their potential

  • Unified collection system integrated with external systems

    The client needed to create a unified collection system that could integrate with external systems. 

    • Unified Collection System
    • End-to-end management of origination and monitoring processes

    1M

    Contracts processed daily

    1000

    Users simultaneously working on the system

    6000

    Calls processed simultaneously

  • Implement a unique collection system

    The client needed to implement a unique collection system while reducing time to decision and decreasing operational overtime.

    • Decision Engine to speed up time to market
    • Decision Engine to support Collection process

    -46 days

    Reduction of time to recovery (default clients)

    +15%

    Collection performance

    -20%

    FTE

How does Clever work?

Main Features

Clever provides enhanced process governance. Tight control is provided along the entire case working cycle. Debt collection management ensures a systematic implementation of the approach and application of the business rules.

Clever provides increased flexibility and a reduction in both time-to-action and time-to recovery statistics. This is delivered with the automation of key steps in the process (primarily evaluation and decision-making) and through integration of the many actors involved into a unique electronic platform.

Clever delivers a constant evolution and adaptation of collection strategies by leveraging the data stored in the system and utilising the extensive range of reporting available.

With targeted account assignment, workload balancing capabilities and prioritization features, CRIF Clever can ensure that resources are utilized in an optimal way.

Clever provides the collection manager with the tools and automation required for complete management of delinquent accounts and enables the organisation to recover the maximum value of outstanding balances with the minimum impact on the customer relationship.

Clever provides extensive and configurable reporting enabling a high level of monitoring across both active and historic case data. An intuitive and graphical interface allows the business user to be constantly appraised of the live situation as well as being able to review past performance.

Clever allows the business processes to be streamlined into the most efficient path with business modelling allowing the organization to actively refine the approach. Automation of low value account handling and standard procedures frees up call handlers to prioritize the higher value and more complex cases.