CMS Outsourcing

Technology driven fully integrated services to manage pre-delinquent & delinquent portfolios


  • Managed services for covering full spectrum of the loan book.
  • Pre-delinquent awareness to reduce delinquency rate.
  • Omni channel communication and improved user experience in delinquent portfolio.
  • Complete collection fulfillment solution with FOS & digital collection points.

Debt Collections

A data driven debt collection platform


  • AI driven omni channel communication, dunning & suggestive FOS utilization to increase ROI.
  • First in the industry real-time analytics and management dashboard for portfolio performance monitoring .
  • Automated processes with checks & balances in place to reduce compliance & regulatory risk.

CMS Advisory

Credit management consulting for Emerging Markets


  • Decades of experience in managing Asset Reconstruction & collections for emerging market financial institutions.
  • Extensive knowledge on Collections, banking technology and risk management processes.
  • Setting up end-to-end credit management processes to manage on-boarding, pre-delinquency to deep vintage portfolios.
  • Portfolio analytics, pricing and buyer sourcing services.
  • Deliver significant and lasting improvements to the portfolio performance and realize the most important goals.

Credit Improvement

A unique approach to debt collection!

  • A holistic approach to the debt collection with consumer as a key stakeholder.
  • Proprietary digital application for consumer credit health improvement, generating inbound collections.
  • Providing a comprehensive solution to the consumer for debt repayment, restructure or consolidation.
  • Improved recovery rates with consumer awareness and guidance.
  • Provide the best user experience and retain customer loyalty.

Smart Recovery® Technology

Superior AI based technology to increase returns and customer experience

  • Customized ERP solution build for credit management and collections.
  • Complete end-to-end processes and work flow integrations from portfolio on-boarding to billing management.
  • Cross platform integrations and data analytics.
  • Proprietary DISC®algorithm to improve data quality for skip collections.
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Trusted By Customers

We believe that our customers are a source of inspiration for our innovation!

How is Icredizen CMS Unique?

  • Consumer engagement platform: Credit improvement with inbound collections
  • Relevant experience: 60+ years of collective experience in Emerging market financial institutions
  • Smart Recovery Technology: Sophisticated AI driven technology solution to improve ROI
  • Trusted Service Provider: Providing services for 10 large financial institutions including India’s largest commercial bank
  • Largest AUM:With USD 500 Million credit portfolio under management and another $1 Billion in the pipeline, Icredizen is the largest CMS provider in the world!

What our customers are saying?

Featured In Media

Icredizen featured several times in International & local media in the region