Enterprise debt collection
& decisioning software

Trusted by the world’s top banks to recover more, reduce risk, and deliver fairer outcomes across the credit lifecycle.
62 countriesManaging the credit risk lifecycle for clients around the world.
$8 trillion +$8 trillion managed as a system of record on Debt Manager.
20 industriesMore use cases in more industries than any other provider.
What is debt collection software?
Debt collection is recovering past-due funds owed to a creditor by an individual or business. Blending AI technology with human empathy achieves fairer, faster resolutions and stronger customer relationships.

Our debt collection solutions

Smart, integrated tools

FitLogic
Better decisioning everywhere
Transform complex data into smarter decisions across the credit lifecycle with a powerful, business-friendly decision engine.
Debt Manager
All-in-one collections solution
Streamline your collections process with an industry-leading solution that automates workflows and maximizes productivity and improves collections.
Add-on
Zel AI
For Debt Manager
Intelligent collections powered by AI
Optimize every customer interaction with AI-powered insights that increase efficiencies and drive better outcomes.
Add-on
FitComms
For Debt Manager
Simplify communications
Engage customers through their preferred channels with personalized, timely messaging that increases response rates and payments.
Add-on
SpringFour
For Debt Manager
Connect customers to financial resources
Boost payment rates while helping customers in hardship access 25,000+ vetted financial resources nationwide.
Add-on
Cara AI
For Debt Manager
24/7 self-service collections
Empower customers to manage accounts anytime using our AI chatbot.
Add-on
Callout Services
For Debt Manager
Seamless real time integration
Connect systems instantly through simple configuration rather than complex coding, cutting integration time by up to 75%.
Add-on
FitPortal
For Debt Manager
Secure third-party access
Streamline collaboration with external partners while maintaining complete control over sensitive information and processes.
Add-on
Zel AI
For Debt Manager
Intelligent collections powered by AI
Optimize every customer interaction with AI-powered insights that increase efficiencies and drive better outcomes.
Add-on
FitComms
For Debt Manager
Simplify communications
Engage customers through their preferred channels with personalized, timely messaging that increases response rates and payments.
Add-on
SpringFour
For Debt Manager
Connect customers to financial resources
Boost payment rates while helping customers in hardship access 25,000+ vetted financial resources nationwide.
Add-on
Cara AI
For Debt Manager
24/7 self-service collections
Empower customers to manage accounts anytime using our AI chatbot.
Add-on
Callout Services
For Debt Manager
Seamless real time integration
Connect systems instantly through simple configuration rather than complex coding, cutting integration time by up to 75%.
Add-on
FitPortal
For Debt Manager
Secure third-party access
Streamline collaboration with external partners while maintaining complete control over sensitive information and processes.

Debt Manager add-ons

Have an RFP? Submit it here.

If you're in the process of selecting a collection and recovery or decisioning solution,
we're ready to respond. Send us your RFP and our team will provide a tailored, timely response based on your specific needs. 
Alternatively, email your request to:  rfp@crsoftware.com

E-learning suite
Our e-learning suite offers self paced, role specific training, tailored to every learner’s journey

Our solutions

Enhance your SaaS security

Enhanced Recovery Objectives
Faster recovery with RPO under 30 minutes vs. 4 hours and RTO under 4 hours vs. 24 hours for minimal downtime.
Secure Links
Direct connections to Debt Manager bypassing public internet, providing maximum security through AWS networks only.
Ransomware Mitigation Service
Store business critical data on segregated infrastructure for rapid recovery in the event of a ransomware attack.
Bring Your Own Key
Control your own encryption keys while we handle implementation. Aligns cloud security with your internal policies.
CQA Refresh
Test with anonymized production data in your non-production environment, maintaining PCI compliance throughout.
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The value of SaaS
Discover more possibilities with our SaaS whitepaper

External audits

Independent verifications you can trust

AICPA - System and Organization Controls 2

AICPA - System and Organization Controls 2

Test audits an organization’s security and data controls

Information security management - ISO 27001

Information security management - ISO 27001

Test audits an organization’s information security systems.

PCI - Payment Card Industry Data Security Standard

PCI - Payment Card Industry Data Security Standard

Test audits payment card data security.

Testimonials

Proven results

C&R transformed our decisioning, fast, accurate, and reliable.

Consumer Operations Leader

Northeastern Bank, US

It’s not a dramatic boost, but it’s a trend that keeps going up. Our conversion rates are proof positive.

Senior Manager, Collections

Major Internet Services Provider

The analytic capabilities give us deep insights into customer behavior we never had before.

Collections IT

Major US Bank, Minneapolis, MN

Automated workflows free up our team to focus on strategy, not paperwork.

Financial Health Specialist

Top 10 Bank, UK

Customizable dashboards are new, and I wish I had them earlier. Real time, available 24/7, make my life easier.

Credit Specialist

Midwestern Bank

Zel AI makes our agents resolve cases faster, and that’s another way of saying making money faster!

Fraud, Strategy and Prevention Director

Major Northeastern Bank, US

Smarter segmentation, better results. Take the eLearning classes, that made a difference for our team.

Regional Leader, Debt Collection

Top 5 South Africa Bank

What can I say? We’ve managed more than 20 million accounts seamlessly for decades.

Senior Manager, Consumer Financial Wellbeing

Top 10 UK Bank

Debt Manager, is our single source of truth, and has been for a long, long time.

VP, Strategy, Analytics and Data Governance

Top 10 UK Bank

Real time analytics help us predict outcomes and optimize every step in the recovery process.

Head of Recovery

Top 5 Bank, Central Europe

Debt Manager’s AI-native tools turn our data into actionable, predictive strategies.

Head of Consumer Strategy

Top 3 US Retailer

Our agents resolve cases faster with access to customer data and history.

VP, Implementation and Success

Regional Bank, Midwestern US

Insights directly from the experts.

Read the latest research, technology developments and strategic insights for actionable information you can implement at your organization.