Automated communications
Send emails, letters and notifications at the right stage.
Stay ahead of arrears and recover faster
Identify payment issues early, manage each case with the right approach and drive efficient recovery while maintaining customer focus and regulatory control.
End-to-end Collections
Built for every stage of arrears
Manage the full lifecycle from early risk detection to judicial enforcement. Automate standard processes, intervene when needed and adapt workflows through flexible configuration.
A customer view, not just a product view
Manage recovery from a unified view of each customer’s mortgage relationship. Bring together balances, obligations and payment history across back-office systems to support better decisions and more consistent customer treatment.
Flexible Workflows
Configurable workflows for every situation
Configurable business rules route each case to the right recovery path. Workflows can be automated or manual and adapt as circumstances change.
Each workflow can trigger:
Action management
Create and assign tasks to the right teams.
Collection measures
Manage payment arrangements, default notices and debt restructuring.
Third-party integrations
Connect with lawyers, notaries, bailiffs and collection agencies.
Automated payment plan management
Set up payment arrangements quickly and let automation manage the follow-up. Payments are matched against the agreed plan with actions triggered automatically when circumstances change. Servicing systems stay synchronised, reducing manual work and keeping arrangements on track.
Governance by Design
Controlled and compliant
Support regulatory requirements with built-in controls, governance and flexible migration across the arrears lifecycle.
Default monitoring
Identify and flag UTP events to support forbearance monitoring, default classification and EBA reporting, while keeping risk systems up to date.
Audit trail & governance
Maintain a full audit trail with role-based permissions and optional four-eye approval for controlled decision-making.
Flexible migration
Migrate new cases, existing portfolios or phased implementations while maintaining data integrity and minimising operational disruption.
Platform Benefits
What this delivers
Earlier intervention and more consistent arrears handling
Reduced manual workload through automated workflows and payment tracking
Better customer outcomes through tailored treatment strategies
Full audit trails and role-based control across every case
Built-in forbearance and UTP monitoring throughout recovery
Scalable recovery operations across products and portfolios
See Ohpen in Action
Book a demo
Build the products your customers cannot get elsewhere.
A flexible, proven end-to-end platform and a team that has done it before. Book a personalised walkthrough and see Ohpen handle your product line live.