Schuldenmanagement

Composable, Microservices-based & API driven Debt Management Solution built to Maximise your Collections

eMACH.ai Lending’s Debt Management is an AI-first, end-to-end debt collections platform designed to help financial institutions recover faster and operate more efficiently across both centralized and field collections. Built on a future-ready, highly composable eMACH.ai architecture, the platform enables institutions to rapidly configure and scale collection workflows without disrupting core systems, while seamlessly integrating with existing banking and partner ecosystems.

Designed to modernize collections at scale, the platform empowers teams to design, test, and deploy intelligent collection strategies that extend consistently from centralized operations to the last mile. AI-driven rules and automated workflows orchestrate actions and escalations across digital, assisted, and on-ground channels, ensuring proactive, data-driven engagement. Centralized, real-time visibility provides tight governance and control across internal teams, external agencies, and field agents, while enabling continuous optimization of strategies.

Built on a modular, API-led, and low-code foundation, eMACH.ai Lending’s Debt Management delivers transformation certainty with rapid deployment within 8 weeks, backed by a proven implementation framework that minimizes risk. With native support for mobile-first, offline-capable field execution and an enterprise-grade platform proven across 30+ global implementations, banks and financial institutions can confidently scale compliant, customer-centric recovery experiences—from strategy design to field execution—on a production-tested solution


25% Faster Recovery

40% Cost Reduction

360° View of Collection Efforts


01

Embedded AI for Intelligent, Context-Aware Debt Recovery

Drive higher recoveries with AI-recommended next-best collection actions

Improve decision accuracy using real-time, contextual portfolio insights

Segment cases intelligently to prioritize efforts with maximum impact

02

End-to-End Debt Management with Integrated Last-Mile Execution

Orchestrate collections seamlessly from strategy design to field execution

Ensure consistent recovery actions across digital, assisted, and field channels

03

Field-Ready by Design, Not an Afterthought

Enable uninterrupted field collections with offline-first mobile execution

Eliminate execution gaps between central strategy and field operations

Guide agents with real-time intelligence and compliant on-ground actions

04

Proactive, Customer-Centric Collections at Scale

Shift from reactive to proactive, customer-specific engagement recovery

Reduce friction and churn while maintaining strong recovery performance

Engage customers through preferred channels with timely, relevant nudges

05

Unified Control with Real-Time Risk & Performance Visibility

Monitor portfolio risk and recovery performance in real time

Intervene early with actionable insights and automated risk alerts

Track and optimize productivity across internal teams and agencies

Taner Ayhan

CEO

Als VakifBank waren wir schon immer bestrebt, unseren Kunden die besten Dienstleistungen und Lösungen zu bieten, und wir glauben, dass die Produkte der iGCBes uns ermöglichen werden, unsere Vision, eine führende digitale Bank in Europa zu werden, zu verwirklichen. Die digitale Kern- und Lending der iGCBbietet uns die Flexibilität, Skalierbarkeit und Innovation, die wir benötigen, um die sich entwickelnden Bedürfnisse und Erwartungen unserer Kunden zu erfüllen und gleichzeitig unsere operative Effizienz und Compliance zu optimieren. Wir sind begeistert und freuen uns auf die Zusammenarbeit mit der iGCB , um ein nahtloses und hervorragendes Bankerlebnis für unsere Kunden zu schaffen.

Muaz Termaz

SVP Leiter, Forderungseinzug, The Saudi National Bank (SNB)

Die bemerkenswerte Leistung, unser Projekt in nur vier Monaten abzuschließen, wurde durch die kollektive Anstrengung und das Fachwissen unserer qualifizierten Teammitglieder ermöglicht, angeführt von Intellect

Anup Purohit

Hauptinformationsbeauftragter, Yes Bank

Die einzigartige Commercial Loan Origination Plattform ermöglicht es der YES BANK, Produkte und Dienstleistungen im Bereich der kommerziellen Kreditvergabe mit vielseitigen Integrationsmöglichkeiten über offene APIs zu erweitern.

Taner Ayhan
Muaz Termaz
Anup Purohit