Payment arrangements
Configure repayment plans with automated monitoring, follow-up and escalation.
Smart collections from missed payment to resolution
Identify arrears early, automate recovery processes and manage every case efficiently with full visibility and operational control.
Collections Operations
One workspace for collections and recovery
Manage the full recovery journey with a single view of case history, payments, affordability, recovery actions and legal escalation.
A customer view, not a product view
Manage arrears from a unified view of each customer’s financial position, not individual products. Give recovery teams the context to make faster, better-informed decisions and deliver more consistent outcomes.
Detection and response
Identify missed or partial payments early and trigger the right recovery actions. Configurable treatment plans adapt to customer behaviour, arrears history and risk profile for timely, consistent intervention.
End-to-end Recovery
Full recovery lifecycle
Manage arrears from early intervention to final resolution through configurable recovery workflows.
Forbearance
Manage payment holidays, term extensions, interest changes, capitalisation and debt consolidation.
Legal proceedings
Manage court cases, debt collection, attachment of earnings and other legal actions.
Write-off
Process write-offs with four-eye approval and controlled governance.
Vulnerable customer support
Support vulnerable customers through structured pathways built into collections workflows. Configure referrals, follow-ups and escalation to services such as budget coaches, job coaches and debt advisers.
Platform Benefits
What this delivers
Earlier arrears intervention
More effective recovery outcomes
More consistent customer treatment
Reduced operational effort
Stronger regulatory control
See Ohpen in Action
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