Crux AI Collection Scorecard uses predictive cure modelling, behavioural analytics, and automated strategy optimisation to maximise recovery while reducing cost-to-collect. Built for banks, fintechs, and lenders across Saudi Arabia and beyond.
Every delinquent account gets the right treatment — automatically. AI segments each case by cure probability and assigns the optimal strategy in real time, eliminating the guesswork from collections operations.
Recovery rate improvement vs. rule-based collections
Reduction in cost-to-collect through AI prioritisation
Agent productivity via AI-driven workload optimisation
Cure prediction accuracy across consumer and SME portfolios
Benchmarked against traditional rule-based collections across consumer and SME portfolios in Saudi Arabia and GCC markets.
Traditional collections treat all overdue accounts the same. Our AI segments every account by cure probability, balance, and behavioural history — then assigns the optimal recovery strategy in real time, with no manual intervention required.
Fully aligned with Saudi Arabia's Vision 2030 digital transformation goals — enabling intelligent, data-driven financial operations across the Kingdom's banking and lending sector.
High-probability self-cure accounts flagged for monitoring only — preserving relationships and cutting unnecessary contact costs.
Mid-risk accounts receive personalised SMS, email, or app nudges — automated and timed for maximum response at minimum cost.
Genuine hardship accounts escalated with full context — cure probability, history, and recommended restructuring offer — to agents.
Low-probability accounts efficiently identified early, minimising holding costs and enabling timely provisioning and legal referral.
Collections Dashboard
Accounts in Collections — Live View
A complete intelligence suite for predicting cure, optimising strategy, managing portfolios, and meeting compliance obligations — all in one platform.
Dynamic 30/60/90-day cure probabilities per account — updated daily as new repayment signals arrive. The core predictive engine behind smart, cost-effective strategy assignment.
AI-ranked queues ensure agents spend time on accounts where human intervention makes the biggest difference — not on cases that will resolve themselves.
AI recommends the most likely-accepted restructuring arrangement — balancing NPV recovery against individual customer affordability signals in real time.
Complete NPL intelligence dashboards — flow rates, cure rates by vintage, provision coverage, and recovery cost analytics — updated in real time.
Determine the right channel, timing, and message — email, SMS, app notification, or call — for each individual account based on predicted response behaviour.
Vulnerability flagging, over-indebtedness detection, and fair treatment checks meet Saudi Arabia SAMA and regional regulatory obligations automatically.
Simulate macroeconomic stress scenarios, repayment shocks, and behavioural shifts to forecast future recovery curves and provisioning impact — before they happen.
An AI collection scorecard is a predictive model that estimates the probability of cure for delinquent accounts using repayment behaviour, customer characteristics, and macroeconomic signals. Unlike static rule-based collections, AI-driven scorecards dynamically update risk and optimise strategy allocation in real time — improving recovery while significantly reducing operational costs.
Rather than applying the same collections approach to every overdue account, AI cure models score each account individually — enabling lenders to concentrate agent effort on cases where human intervention is valuable, automate outreach for mid-risk segments, and avoid unnecessary contact with high-probability self-cure accounts.
The AI Collection Scorecard integrates seamlessly with the full Crux platform — covering every stage from origination through portfolio monitoring to recovery and execution.
See how the Crux AI Collection Scorecard recovers 30%+ more value with half the operational cost — in a focused 30-minute strategy session with our team.
Join Saudi Arabia's leading banks, fintechs, and lenders already transforming their collections operations with Crux.