The company

EXUS is an enterprise software company specializing in credit risk management, digital transformation services and innovation management. EXUS was founded with the vision to simplify enterprise software, make it simple, accessible and exciting.

With headquarters in London and research & development centre in Athens, EXUS support organisations worldwide to improve their results by introducing simplicity & intelligence in their business processes through state of the art technology.

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We significantly improve the business of those we serve, simplifying complexity to enable intelligent action.

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Working at EXUS

At EXUS we believe that technology exists to serve people. This means we spend time thinking about how people interact with the world around them; about the cognitive process. We enjoy a workplace where curiosity and ambition are put in service of making software that makes people smarter.

EXUS Collections & Recovery Blog

How does technology help develop the most effective pre-delinquency strategies?

Posted by Marios Siappas 
The common conception of collections is as a historical activity. A debt was owed and is now delinquent. So it’s the act of rectifying a historical account.
This conception is right, to an extent. That’s certainly a large part of the process. But it’s not the full picture. We’ve written before about how collections is one step within the customer lifecycle. Not just a way to recoup debts, but to retain customers.
But drill deeper, and you’ll find that debt has its own steps embedded within it: A more modern approach to collections focuses on pre-delinquency, too. That is, the treatment of accounts before they exceed limits or miss payments.
By recognising the warning signs of delinquency you can proactively help your customers before the debt advances into delinquency. This is important for a few reasons. Most obviously: it spares you money and resources through quickly curing what could have become an impaired debt.
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