Credit Services Tabs


  • Processing of received applications
  • Credit Assessment via pre-approved credit scorecard rules
  • Recommendation on credit decision: Approve or Decline
  • Verification of information supplied by applicant
  • Preparation of documents for signature by applicant
  • Pay-out of funds to the appropriate party with the option to utilise G-Pay to pro-actively manage and control the distribution of funds

Account Management

  • Account activation on debtor management system
  • Monitoring of agreement payment terms
  • Receipting of instalments
  • Interest and fee calculations
  • Attending to refunds
  • Issuing and receipting of settlements
  • Allocation of workflows
  • Cost allocations
  • Attending to general queries and customer information updates
  • Sending of statements and/or invoices
  • Monitoring of loan book performance

Customer Debt Management

  • Early stage arrear collections: Call centre contact with the view to rehabilitate the account based on a collection strategy.
  • Late stage arrear collections: Efforts to rehabilitate late stage arrear accounts via our pre-legal agents and external rehabilitation agents.
  • Legal action: Managing the legal process if rehabilitation attempts are unsuccessful.
  • Administering accounts with amended payment plans: Following required processes on “abnormal” accounts.
  • Management of assets: Attending to the repossession, management and disposal of assets.
  • Collection of shortfalls: Dealing with accounts post realisation of assets via the in-house legal team.


  • Preparation and distribution of daily and/or weekly reports, which can include ageing reports, bank statement summaries, portfolio analysis, etc.
  • Preparation and distribution of monthly management reports indicating portfolio and customer debt management performance.
  • Statutory reporting to third parties such as credit bureau and NCR if applicable.
  • All reporting is flexible and can be tailored to suit individual client requirements.

Standby Servicing

  • As a result of our servicer rating by Global Credit Ratings (GCR) and our well-established infrastructure, we have been approached by numerous entities to act as a standby servicer.
  • In the case of securitisations, where we are the standby servicer, we step in and take over the loan administration function when called to do so for a wide range of industries.

Support Functions

  • Monthly finance comprising accounting up to trial balance level and cash management
  • Assistance with the preparation of annual financial statements
  • Co-operation with client auditors during annual audit
  • Assistance with company secretarial work.