Our Services

Pre-Debt Sale

Sales

Customer
Experience

Pre-Delinquent

Early Stage

Late Stage

Post Write-Off

Document
Management

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

After 90 days of non-payment, we intensify our collections strategy by adopting a more deliberate and rigorous approach. This involves our trained consultants shifting their tone and using specific negotiation techniques to recover payments from defaulting consumers. We also make use of omni channel strategies to interact with these customers.

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.

Collections Footprint Africa

CSS has an extensive collections footprint across Africa via our holding company iSON Xperiences. Leveraging our regional presence and local expertise, we offer collections services in multiple African countries, the UK and India. Our comprehensive understanding of local regulations, cultural nuances, and market dynamics allows us to provide effective debt recovery solutions tailored to each market.

By using a customer-centric approach and digital solutions, organizations can transform Collections from a cost centre to a profit centre.

South Africa

Botswana

Malawi

Tanzania

Kenya

Uganda

Nigeria

Ghana

Egypt

Dynamic Legal

Legal Administration

Brooks & Luyt Inc is dedicated to serving CSS Credit Solutions Services (Pty) Ltd for uncontested cases with a bulk processor – helping our clients take legal action to recover their money by enforcing their legal rights in a cost-effective manner.

Classic Legal SA

CSS has secured the dedicated services of a specialised legal firm Brooks & Luyt Inc, who assists CSS for any traditional legal enforcement activities which are defended by consumers and commercial entities for the recoveries of money owed to them. These cases are typically defended by the client.

Legal Collections - South Africa

Brooks & Luyt Inc. is a dedicated legal firm who specialises in legal collections in South Africa. Our team of legal experts, supported by advanced technology and comprehensive processes, ensures effective debt recovery within the legal framework. We have a deep understanding of South African laws and regulations, allowing us to navigate the legal landscape and deliver optimal results for our clients.

International Legal

With representation and partnerships in over 140 countries spanning every major economic region of the globe, we are in a unique position to deliver fast, effective solutions to the complex challenges of your global debt recovery problem.

Objective: Recover arrear amounts from Customers and/or get Customers to enter into a payment arrangement, normalise their account status with the objective to rehabilitate the Customer to a performing account through the utilisation of the legal process.
A firm but fair approach is adopted.
Additional focus is placed on high balance accounts and carefully mapped out balance breaks and straight roller defaulters.
We work with you to determine balance breaks to assess which accounts to proceed with the legal process and which to continue with alternative collections/demand tools.

Insurance Life Cycle Management

We specialise in providing tailored solutions for insurance life cycle management. Our services cover the entire spectrum, from policy administration and premium collection to claims management and recoveries. With our deep understanding of the insurance industry and proven track record, we help insurance companies streamline their operations, enhance customer experience, and improve profitability.

Document Solutions

Our Document Management Solutions include: