Collection system for PAN-EUROPEAN company operating in 6 countries

a leading company in the debt management industry operates across multiple European markets, specializing in the acquisition and recovery of non-performing loans (NPLs). This market leader offers comprehensive solutions for both secured and unsecured debt portfolios, working with banks, financial institutions, and private businesses. Their services include debt purchasing, collections, and credit management, leveraging advanced technology and data analytics to optimize recovery processes. Known for their ethical approach, they adhere to strict regulatory standards while maintaining a customer-centric focus. The company’s global presence and innovative strategies position it as a trusted partner in the debt recovery sector.

Different Core collection system providers typically design their solutions to cater to specific markets (Nordic, Southern Europe, etc.), requiring substantial customization to make them suitable for all of a customer’s operating countries. The main goal was to leverage existing expertise and develop a proprietary Core collection system capable of competing globally as a standalone product. The architecture is designed to maintain stable core functionality across all countries, while region-specific legal and regulatory components can be added as lightweight microservices. This approach significantly reduces implementation time and increases scalability.

Technology Stack:

• .NET C#
• .NET Razor
• Dynamics Power Automate
• Dynamics 365
• Azure AD
• MS SQL
• Azure Data Factory (State Authorities, Payment Systems, Customer integration)
• AI for scoring