End-to-end enterprise debt collection software

What is Juris Collect?

Juris Collect is an end-to-end enterprise debt collection system that handles early delinquent accounts to late-stage accounts, whilst intelligently employing personalised collection strategies for different customer profiles.

Powered by a robust and advanced workflow engine, Juris Collect automates the entire collection cycle from setting up personalised collection strategies, early treatments activities via omnichannel communication platforms, facilitating collaboration with collection agencies and solicitors, to write-offs, all in a single platform.

It is designed to be flexible and configurable for both retail and corporate collections.

Why Juris Collect?

End-to-end enterprise software for debt collection life cycle

Highly configurable workflow engine with a drag and drop graphical user interface (GUI), that covers everything from early-stage delinquency to final approval of write-off.

It's multi-touchpoints framework allow you to contact customers via omnichannel communication platforms such as predictive dialler, SMS, fax, email or letter.

Increases collection rate through personalisation

Profile customers into different segments – based on various criterias such as type of products, value at risk, geographical locations, DPD, etc.

Create personalised strategies for each segmentation to achieve a more effective collection.

Increase Revenue with Best Debt Collection Software

Enterprise Debt Collection Software Malaysia

Forecasts self-curing and potential NPL customers with AI

Predicts self-curing accounts and potential non-performing loans (NPL) customers by incorporating behavioural scoring using predictive and prescriptive AI analytics.

Leverage on the right pre-emptive measures on different delinquency tracks to maximise collection revenue and provide better customer service.

Maximises revenue collection through a robust Whiz strategy manager

Whiz is the heart of Juris Collect which simplifies the strategy management in a collection process. Effectively create and configure collection strategies, coupled with feedback.

Experiment with different strategies with Champion Challenger to determine the best strategy for each customer.

Connects to external parties for seamless real-time collaboration

Easy integration with external rating systems such as CCRIS and CTOS.

Facilitates real-time collaboration between financial institutions, collection agencies and solicitors through a single, unifying platform.

Juris Collect Conceptual Diagram

Revolutionise Your Entire Collection Lifecycle with Juris Collect

Early detection

Forecasts self-curing and potential NPL customers:

JurisTech's debt collection software pushes the boundaries by incorporating behavioural scoring that tracks customer behaviour, payments, and contact pattern.

Forecast self-curing customers: You’ll be able to identify customers that will self-cure and save yourself from investing the organisation’s resources to contact these customers to make a direct request for that payment.
Predict potential NPL customers: Reduce the risk of loan default or emergence of NPL by taking proper care of customers who begin to experience payment constraints.

Juris Collect is powered by an AI-based self-learning technology which makes better predictions over time as more data is absorbed, with up to 96% accuracy and up to 6 months ahead.

Early stage collection

Personalise and automate treatments:

Perform advanced customer segmentation and aging based on the information collected and various criteria.

You will be able to create personalised collection treatments and strategies for each customer segments, while automating the entire process. Coupled with our Whiz strategy manager and Champion Challenger, you will also be able to experiment with different collection strategies and test which works best for your customers.

Late stage collection

Reform your collection strategies:

Juris Collect comes with a flexible and effective case assignment engine, for you to assign the cases to the right person at the right time! This allows your workforce to follow up on accounts in a timely manner.

With Juris Collect, you can reform your collection strategies and emphasise a more deliberate collection approach for accounts with 90 or more days of non-payment.

Collection agencies

Connect with DCAs:

Connect with debt collection agencies (DCAs) and collaborate real-time through a single, unifying platform.

Juris Agency seamlessly integrates with Juris Collect to provide you with an end-to-end collection and recovery process. It manages all interactions such as automating case assignment, getting real time agency activities and account updates, pullbacks and managing commissions and invoices without any hassle.

Litigation

Connect with legal firms:

Connect with collection solicitors and collaborate real-time through a single, unifying platform.

Juris Legal seamlessly integrates with Juris Collect to provide you with a straight-through-processing (STP) for collection and recovery process. It manages all interactions between the financial institutions and legal firms, such as automating case distribution, getting real-time legal updates and billing management without any hassle.

Core Functionalities

Ease of Use

Web-based
User-friendly
Drag and drop GUI
Easy set up to configure collection strategies

Productivity

360-view of delinquent accounts
Real-time analytics dashboard
Comprehensive reporting such as aging, repossession, promise to pay, MIA movement reports

Distribution Engine

Collection by CIF or Account
Performs centralised collection or decentralised collection by branch

Connectivity

Multi-channel communications with customers
Designed to interact with other systems
Integration to external rating systems

Automation

Smart case assignment engine to collectors and solicitors
Notifications via SMS, email, system message, letter generation

Smart Decisioning

Best time and best number to call
Prescriptive analytics

Compliance

Shariah compliant
Multi rate structure support
Multi-lingual and currency support

Power Juris Collect with AI Capabilities

AI-driven Analytics

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Identify possible delinquent NPL and self-curing accounts with AI-driven analytics.

Increase Accuracy

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Makes better predictions over time as more data is absorbed.

Personalisation

Webpage-revamp_Juris-Collect_illustration_Power_3

Perform hyper-personalised collection treatment for different customers.

Explore JurisTech’s Collection Suite

Debt collection software solution Malaysia

FAQs

What is debt collection software, and what does Juris Collect do?

Debt collection software is a specialised application designed to help businesses, financial institutions, and third-party collection agencies manage, automate, and streamline the entire collection process of recovering unpaid debts and delinquent accounts. It manages overdue accounts from early delinquency through late-stage collection, write-off and final approval. Juris Collect does this on a dunning engine for retail and corporate portfolios, so your collectors work the right accounts with the right strategy at the right time.

Does Juris Collect manage early-stage and late-stage delinquency?

Yes. Juris Collect manages delinquency from the first missed payment through to late-stage recovery, applying the right level of effort at each stage. In early-stage delinquency, it automates low-cost, customer-friendly treatments such as multichannel reminders, risk-based prioritisation and promise-to-pay tracking, helping customers return to good standing quickly. As accounts age or risk increases, the system automatically escalates them to more intensive late-stage treatments, including dedicated collectors, field visits, restructuring, agency assignment and legal action. Full account history follows the account across every stage, so each team acts with complete context.

Does Juris Collect support consumer and commercial loans, and non-performing loan (NPL) management?

Yes. Juris Collect manages the full delinquency lifecycle across consumer and commercial portfolios, from the first missed payment through to non-performing loan recovery. For consumer lending, it automates high-volume collection through risk-based segmentation, omnichannel reminders and collector work queues. For commercial lending, it supports case-based management of larger exposures, including collateral, guarantors and restructuring workflows. When accounts become non-performing, the same platform carries them into recovery, covering legal action, asset disposal, agency assignment, settlements and write-offs, with full audit trails and regulatory reporting throughout.

How does the Dunning strategy manager in Juris Collect automate strategies and customer segmentation?

The dunning engine segments customers by various parameters such as product type, risk level, months in arrears (MIA) and days past due (DPD), then applies a personalised strategy to each segment. The Dunning strategy engine is where you create strategies, define the strategy profile, set the type of treatment and see feedback on how they perform.

How does Juris Collect use Champion Challenger to optimise strategies by customer risk and repayment history?

Juris Collect includes a built-in Champion Challenger feature embedded under the dunning engine, so collection strategies are optimised based on evidence, not assumptions. Users can define alternative treatment versions, assign a controlled percentage of accounts to each, and run them in parallel against the current best-performing approach. The system tracks outcomes such as cure rates, roll rates and recovery amounts, so managers can see which treatment version performs best and promote it with confidence. The result is continuous, low-risk improvement in collection effectiveness and cost efficiency.

Can Juris Collect use AI to predict repayment behaviour and prioritise delinquent accounts?

Yes. Juris Collect uses AI to predict repayment behaviour and prioritise delinquent accounts accordingly. Using historical payment, contact and account data, it estimates each account's likelihood of self-curing, paying after contact, or rolling into later delinquency. Accounts are then ranked and routed so that low-risk customers receive cost-efficient automated reminders, high-risk accounts are escalated early, and collectors focus on the accounts where intervention has the greatest impact. Each prediction comes with clear contributing factors, and its effectiveness can be validated against existing strategies through Champion Challenger testing if needed.

Which channels does Juris Collect use for automated reminders and follow-ups?

Collectors reach customers by letter, calling through auto-dialer (with the optional Juris Predator dialer if needed), SMS, email, IVR, WhatsApp and voice bot, and treatment workflows send reminders on a schedule. The field collectors use the Juris Go mobile app to perform site visit questionnaire input.

How does Juris Collect handle promises to pay and repayment arrangements?

Juris Collect records each promise with flexible instalments and durations. It has PTP policy setup which enforces minimum amounts and maximum instalments, sets limits for each collector, supervisor and manager, and escalates any promise beyond a limit. It matches promises to payments daily, so you see which were kept or broken. For customers who need more time, users can set up structured repayment arrangements, called Arrangement-to-Pay (ATP), within configurable limits and approval workflows, with every instalment monitored and missed payments flagged automatically. Promise and arrangement performance is tracked throughout, giving managers clear visibility of collector effectiveness and customer reliability.

Can Juris Collect manage external collection agencies through Juris Agency?

Yes. Juris Collect includes an agency management module, Juris Agency that gives you the full control over outsourced collection. You can register agencies with their contract terms and commission structures, then allocate accounts using configurable rules based on delinquency stage, region, balance or product. Agencies work assigned accounts directly in the system, so every contact, promise and payment is visible in real time, and allocations are automatically recalled if agreed targets are not met within the period. The module measures each agency's performance on consistent metrics and calculates commissions based on actual recoveries, helping lenders reward the best performers, reduce disputes, and maintain oversight of customer treatment.

Does Juris Collect support legal recovery, litigation and repossession through Juris Legal?

Yes. Juris Collect includes a dedicated legal module that manages recovery, litigation and repossession within the same platform as day-to-day collections. Accounts move into legal action through controlled approval workflows, and each case follows configurable stages that reflect the lender's legal process and local requirements. Juris Legal covers civil suit and foreclosure workflows, with solicitors updating legal dates in the collaborative platform portal provided. A repossession module manages hire purchase accounts under the Hire Purchase Act 1967, with workflows and menus that handle the repossession workflow from repossession orders through auction. All legal and recovery costs are tracked against each case, giving managers complete visibility of case status, lawyer performance and the true cost of recovery.

Does Juris Collect integrate with core banking and loan servicing, and does it have open APIs?

Yes. Juris Collect integrates seamlessly with core banking and loan servicing systems, ensuring collectors always work with accurate, up-to-date information. It receives customer, account, arrears and payment data from source systems and sends collection outcomes such as repayment arrangements, waivers and write-offs back where required. Integration is supported in real time through APIs or through scheduled batch processing, accommodating both modern and legacy environments. With open, documented APIs, the system also connects easily to SMS and email gateways, payment channels, credit bureaus and reporting platforms, giving lenders the flexibility to extend their collection ecosystem over time.

Which dashboards and reports does Juris Collect provide to track recovery across channels?

Analytics dashboards and reports—updated or generated based on configurable frequencies—feature customisable widgets to track key metrics such as aging buckets, MIA (months in arrears) movement, team performance tracking, promises to pay, and collector leaderboards. Integrated contact analytics highlight channel performance, making it easy to evaluate which strategies yield the best results.

How does Juris Collect support regulatory compliance and audit controls?

Juris Collect is designed to help lenders meet fair debt collection requirements and other regulatory obligations by building compliance into everyday operations. Configurable contact rules control when, how often and through which channels customers can be contacted, and the system prevents contact outside these limits. Approved templates and scripts keep communications consistent, while flags for disputes, complaints, hardship or vulnerability automatically adjust collection treatment. Every action is recorded in a complete audit trail, supported by role-based access, data masking and maker-checker approvals for key decisions. The same controls apply to internal teams and external agencies, giving lenders clear evidence of fair and compliant collection practices across the entire lifecycle.

Where can we deploy Juris Collect, and does it scale?

Juris Collect can be deployed on-premise or in the cloud, giving lenders the flexibility to meet their regulatory, data residency and IT requirements. On-premise deployment provides full control within the lender's own data centre, while cloud deployment offers faster implementation and lower infrastructure overhead. Functionality is consistent across both models, and lenders can migrate from on-premise to cloud as their strategy evolves. The system is built to scale with collection volumes, supporting portfolio growth and seasonal or economic spikes in delinquency while maintaining consistent performance for collectors and batch processing.

What should banks look for in collections software like Juris Collect, and what belongs in an RFP?

Selecting a collection system is a long-term decision that affects recovery performance, operating cost and regulatory risk. Banks should look beyond feature lists and assess whether a system covers the full collection lifecycle across consumer and commercial portfolios, allows business users to configure and test strategies without vendor development, and enforces compliance controls across internal teams and external agencies. Equally important are open integration with core banking, flexible deployment options, proven performance at scale, and a vendor with a strong implementation track record and local regulatory understanding. The most reliable way to evaluate these is to ask vendors to demonstrate the bank's own scenarios, rather than relying on scripted demonstrations.

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