End-to-End
Credit Life Cycle Management

At CSS, we offer comprehensive solutions for managing the entire credit life cycle. From customer acquisition and onboarding to collections and recoveries, our end-to-end services ensure seamless credit management and maximise recovery rates. With advanced technology and industry expertise, we help our clients optimize their credit processes and achieve sustainable growth.

Pre-Delinquent
CSS assists clients with early intervention strategies to identify accounts showing signs of potential difficulty and to implement these strategies to prevent further delinquency or default on these accounts.

Early Stage Collections – 1 to 90 days past due or in arrears
CSS provides early-stage soft collections services for accounts that are 1 to 90 days in arrears. Our empathetic approach focuses on customer engagement and negotiation to facilitate prompt payment arrangements. By addressing delinquency at an early stage, we help clients maintain cash flow and minimise credit risk.

Late Stage Collections – 90+ days past due or in arrears
For accounts that are 90+ days in arrears, we offer soft collections services aimed at resolving outstanding debts while preserving customer relationships. Our skilled team employs effective communication strategies and negotiation techniques to encourage payment and facilitate mutually beneficial solutions.

Post Write-Off Recoveries
CSS specialises in post-write-off recoveries, assisting clients in recovering debts that have been written off. Our dedicated team employs a proactive approach, leveraging advanced analytics and tailored strategies to maximize recoveries. With our expertise in debt management, we help clients optimise their recovery processes and improve overall financial performance.