Recovery intelligence for Kenyan credit
Know who can pay before you spend a shilling chasing who can't.
Recovery Intelligence Engine resolves every account in an acquired book against consented and registry data, then tells you capacity, willingness and an affordable repayment figure - with the evidence attached to every claim.
The argument
“Of KES 340M in this book, KES 106M sits with debtors assessed as having capacity to pay. Prioritise those cases first.”
Ageing tells you how long an account has been ignored. It does not tell you whether the debtor turned over KES 15M last quarter, runs a current payroll, or simply cannot pay. Recovery Intelligence Engine separates capacity from willingness, account by account, so effort goes where recovery actually is.
Lenders
Price and provision against verified capacity, not ageing curves alone. See the recoverable value inside your NPL stock before you restructure or sell.
Debt buyers
Underwrite an acquired book in days. Every account arrives classified - will not pay, cannot pay, partial, untraced - with the evidence attached.
Collection agencies
Collectors open a dossier, not a spreadsheet. Talking points grounded in registry data, an assessed affordable figure, and a prioritised queue.
Provenance and compliance
Built to survive the compliance review.
Regulated clients do not buy a score. They buy a defensible process. Every external query is logged with its purpose and lawful basis, and every fact in a dossier names its source.
Every claim is attributable
Each fact in a dossier carries its source, tier and as-of date. Nothing enters the assessment without provenance.
Append-only audit trail
Every external data query is logged with actor, purpose and lawful basis. Built to be shown to a compliance officer.
Consent-first by design
Tier-1 data is consented transaction data. Registry access is disclosed per source - including the ones still pending authorisation.
See it on a live book.
The demo environment carries three fictional portfolios - KES 463M across 40 assessed accounts. Resolve a debtor, process a batch, and read the audit trail.