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Collections & Recovery

Customer centric decisions to enhance collections and recovery efficiency, effectiveness, compliance, and customer satisfaction.



See how FICO helps deliver real business results and better customer experiences for leading organizations across industries and around the world.
average lift when using optimization to execute the right strategy at right time regardless of the level of delinquency
average lift when adding in collections models coupled with data-driven strategies
average lift from using off-the-shelf scores, bureau scores, and expert models
of collection dialogues handled automatically in pre-delinquency and early collections

Faster, smarter, and more efficient collections and recovery

Collections and recovery operations are changing. Research shows more than half of consumers globally are struggling with the cost of living. Your business may be experiencing rising delinquency and poor customer experience due to less-than-optimal debt collection and recovery strategies. Leading companies work with FICO to leverage our deep expertise to provide customer-centric decisioning solutions. 

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Customer-centric collections and recovery

FICO® Platform brings together best-in-class analytics, decisioning, and customer engagement capabilities into an integrated collection and recovery strategy development and execution environment.

This environment empowers organizations to design highly -differentiated solutions to their most challenging debt management problems.

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FICO’s fully compliant debt management environment connects early warning collections, recovery, and customer communications in one complete ecosystem. By automating operational processes, extracting insights with advanced analytics, and offering personalized experiences, FICO’s solutions improve efficiency while increasing revenue, on-time payments, and customer satisfaction. 

Case Study

Garanti BBVA

Turkish Bank Boosts Collection Performance Ahead of Economic Downturn
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“We have added optimization to our collections strategy to help more of our customers get their accounts up to date in a sustainable way and reduce losses through making smarter decisions about when and how to communicate.”

Mark Harrison-North, Head of Credit Risk
The Very Group


FICO solutions offer a wide range of capabilities, empowering you to make smarter, personalized decisions, streamline operations, and improve the customer experience.

Analytics & ML

Leverage our patented AI techniques to develop your advanced analytics and train your ML models to deeply understand and predict customer behavior.

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Make more precise, consistent, and intelligent decisions across your enterprise with expert control over your decision logic.

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Give your business users the crystal ball they need to creatively explore ideas, respond to emerging trends, and build better decisions.

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External Data Access

Inform your decisions and enrich your insights with signals from third-party data and other alternative data sources.

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Composition & Orchestration

Choreograph your intelligence to animate customer journeys by weaving data, insights, and actions into positive, memorable, and valuable moments in your customers lives.

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Feature Management

Get more machine learning projects into production by leveraging a shared library of derived data attributes across your enterprise.

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Unleash the power of mathematical optimization — use high-performance solvers to model business problems and calculate the best possible decision to maximize your desired outcomes.

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Testing & Validation

Ensure your configuration drives the desired outcomes by testing and validating business services across FICO® Platform.

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Revolutionize your data-intensive business applications with composable dataflows that dramatically improve your customer-facing business decisions.

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Related solutions


ARM enables faster time to “yes” by approving loan applicants quicker, driving increased profitability, streamlining your operations, and reducing regulatory risk.

Customer Management

Your customers’ needs can shift in an instant. Monitor changes and develop real-time 360-degree customer views of account performance with FICO’s advanced customer management technology. 

Customer Communications for Collections

Resolve more debt with AI-infused omnichannel communication

Customer Communications for Enterprise

Intelligent digital customer communication management across the customer lifecycle

Contact us

FICO’s clients are sharpening their debt collection practices, collecting more debt, and spending less while retaining future good customers with our end-to-end collection and recovery capabilities. Ready to join them?