CLever provides complete and streamlined management of the collection process, from early collection through late collection and recovery.

CLever allows lenders, telco/media and energy/utility firms to collect more with less in a smarter, easier way. This is done through a more effective management of accounts in arrears, using a structured definition of tasks, assignments and policies, and constant enforcement and monitoring which is automated and efficient.

With CLever significant improvements in debt collection performance can be achieved thanks to the following capabilities:

  • Customer centric as well as account centric approach to collection;
  • Collection scoring calculation, both at account and debtor level;
  • Configuration and execution of customized collection strategies and segmentation policies;
  • End-to-end management of accounts allocation process to external collection agencies;
  • Comprehensive action tracking, monitoring and fine-tuning; 
  • Automation and control of actions needed for proactive and effective collection cycle management.

Key benefits:

  • Increased collection rates and faster repayment with better segmentation and analysis;
  • Reduced time-to-action and time-to-recovery thanks to high levels of automation;
  • Flexible evolution and fine-tuning of collection strategies;
  • Tighter control over collection process and achieving resource optimization, through targeted account assignment, workload balancing and prioritization.

CLever incorporates CRIF’s extensive experience in debt collection in helping many customers to enhance debt recovery performance and operations.  Contact us to find out how we can help you do the same.

Credit Management Platform: Packaged Modules

Governance & Reporting

Achieve strategic goals, optimize decision-making and overall performance with the Governance & Reporting module of the CRIF Credit Management Platform.


Excel at targeting the right customers and bringing on new business with the Engagement module of the CRIF Credit Management Platform.


Streamline account opening and loan origination processes end-to-end with the Origination module of the CRIF Credit Management Platform.

Customer Portfolio Management

Stay on top of portfolio risks and customer opportunities with the Customer Portfolio Management module of the CRIF Credit Management Platform.

Rating Assignment

Apply best-in-breed techniques to automatically assign ratings to credit exposures across the credit value chain with the Rating Assignment module of the CRIF Credit Management Platform.

CRIF Data Model

The complete data management solution for credit risk information across your enterprise.

Credit Policy

Manage credit risk authorization and delegation for your whole enterprise and at each decision-making point across the end-to-end credit lifecycle.

Advisory Expert System

The sales & relationship managers’ tool for complete, low-effort business risk evaluation.

Price Optimization

Determines the optimum pricing to achieve the right balance of competitivity with default risk.