Business Solutions

MFOs, Banks and trading companies working with installments face the same problems: growth of overdue debt, frozen money in non-performing assets, regulatory pressure and declining customer trust. These challenges prevent businesses from growing, drain team resources, and directly impact financial results.

People 010

Soft Collection
(pre-trial recovery)

At the pre-trial recovery stage, we use modern tools that help return debts quickly and without conflict. Thanks to automated calling and mass portfolio processing through CRM, each client receives personalized attention. We use multi-channel approaches — calls, SMS, messengers, e-mail and even letters — to maximize reach and efficiency.

Communication scripts are adapted to the specific segment and depth of delay (DPD), making interaction precise and effective. Quality control is ensured by a system with artificial intelligence elements: 100% of calls are monitored, eliminating errors and increasing trust in the process.

Various 002

Hard Collection
(intensive pre-trial recovery)

At this stage, we intensify interaction with debtors to recover overdue funds as efficiently and quickly as possible. More intensive and frequent multi-channel approaches are used — calls, SMS, messengers, e-mail and letters — with personalized scripts adapted to the segment and delay duration.

Quality control and process transparency remain at the highest level: each communication is recorded and analyzed, and AI helps evaluate the effectiveness of actions and adjust the strategy. This approach minimizes risks and at the same time returns assets without court involvement.

Various 010

NPL Portfolio Purchase

We purchase non-performing portfolios of any volume and segment — from microloans to credit cards and consumer loans. This approach allows clients to quickly free up funds and redirect resources to business development.

Hamkor Mediation is ready for regular deals and ensures a guaranteed cash flow to the seller. We take care of all asset management issues, allowing partners to focus on strategic tasks and risk reduction.