Profesionalne usluge naplate potraživanja

Smak Solutions at the Service of Your Success

Fast, Reliable, Professional

We are ready to support banks, microcredit institutions, and other companies in all phases of collection for due, written-off, and judicial receivables. Smak Solutions customizes the collection process based on the type of receivable, debtor specifics, and client needs, respecting the rights and interests of all parties. Our goal is to resolve collections peacefully and efficiently, adhering to the highest ethical standards of business communication.

Our competitive advantage lies in achieving high collection success rates, enabling us to build long-term relationships with our clients. Thanks to our efficiency and proven results, clients consistently entrust us with their receivables management. Smak Solutions prides itself on providing fully secure operations, free from any security breaches or reputational risks. Our commitment to data protection and business ethics ensures that our clients feel secure at every step of the collection process.

The inability to collect receivables poses a significant challenge for banks, microcredit institutions, and other companies, as it negatively impacts profitability and stability. Smak Solutions understands the importance of timely identification of risky receivables and a proactive approach to collection, which reduces provisioning costs, ensures liquidity, and improves business outcomes.

Our strategy focuses on timely NPL prevention, starting from the first day of delay. Swift action in the early stages allows your institution to minimize the negative impact on the balance sheet, reduce the need for large provisions, and optimize receivables management. Smak Solutions employs sophisticated methods to identify high-risk clients, providing you with timely information and advice for better portfolio management.

An unpredictable business environment can place additional pressure on clients of banks, microcredit institutions, and other companies, leading to payment delays. Our support enables you to optimize the collection process, reduce associated costs, and enhance risk management.

Debt collection often demands significant resources and time. With the support of Smak Solutions, you can ensure efficient collections and reduce the risk of losing clients, thereby increasing the long-term profitability and stability of your institution.

Phases of the Debt Collection Process

1. Secure Communication
The client provides the necessary documentation for collection through secure communication channels.
kanala.

2. Import into CRM
The received files are imported into the CRM for processing and categorization.

3. Account Assignment to Agents
Accounts are assigned to appropriate agents based on categories for further
actions.

4. Debtor Contact
Various communication channels are used:
▪ Predictive dialer (automatic or manual),
▪ SMS, Viber, and WhatsApp messages,
▪ IVRS (Interactive Voice Response System),
▪ Emails,
▪ Direct correspondence.

5. Debtor Assessment
Agents assess debtors in two categories:
Those who cannot pay
Those who will not pay
Based on this, strategies and tactics for collection are defined.

6. Contact outcome
If contact is established:
Debtors are given the opportunity to define a repayment plan (PTP - Promise to Pay).
If contact does not exist:
The process of "Skip Tracing" is conducted through online information searches.
and social media platforms.

7. Payment Channels
Debtors can make payments through the available payment channels. The client provides
information about selective payments to the CRM.

8. Continuous Monitoring
If the repayment plan is interrupted:
It returns to the process of continuous monitoring and reminders.
If the repayment plan is fulfilled:
The collection is recorded as successful.

9. Resolving Debtor Status
Debtors have the option to pay the debt in full, partially, or request additional
support regarding their situation.

 

In this phase, Smak Solutions helps you improve the payment dynamics of your clients or debtors while maintaining positive business relationships. Our approach involves timely and non-intrusive communication via phone and email, where we provide clients/debtors with all the necessary information about outstanding debts, payment deadlines, and procedures, as well as inform them about the potential consequences of further payment delays

The communication is structured and conducted according to predefined scenarios tailored to the client’s/debtor’s industry, the nature of the claims, and the specific circumstances of the debt’s origin. All activities are carried out in accordance with an agreed strategy and the highest professional and ethical standards, ensuring efficient and timely debt collection.

Smak Solutions never resorts to inappropriate practices such as excessive calling, contacting debtors through neighbors or family members, or any methods that are professionally or socially unacceptable. Our goal is to achieve results through respect and professionalism, fostering trust among all parties.

In the pre-legal collection phase, the focus is on formal communication with debtors through structured issuance of reminders. Smak Solutions uses professionally crafted reminders that clearly outline the amount of debt, the payment deadline, and the potential consequences in case of non-payment. This step provides an additional incentive for debtors to settle their obligations before the process escalates to legal action, while maintaining a fair and professional tone in communication.

In this phase, Smak Solutions helps you improve the payment dynamics of your clients or debtors while maintaining positive business relationships. Our approach involves timely and non-intrusive communication via phone and email, where we provide clients/debtors with all the necessary information about outstanding debts, payment deadlines, and procedures, as well as inform them about the potential consequences of further payment delays

The communication is structured and conducted according to predefined scenarios tailored to the client’s/debtor’s industry, the nature of the claims, and the specific circumstances of the debt’s origin. All activities are carried out in accordance with an agreed strategy and the highest professional and ethical standards, ensuring efficient and timely debt collection.

Smak Solutions never resorts to inappropriate practices such as excessive calling, contacting debtors through neighbors or family members, or any methods that are professionally or socially unacceptable. Our goal is to achieve results through respect and professionalism, fostering trust among all parties.

Communication tools for efficient debt collection

Successful debt collection requires a strategic approach and the use of advanced communication technologies. SMAK Solutions employs Inbound, Outbound, and Omnichannel methods to ensure timely and efficient collection, reducing payment delays and optimizing the debt management process.

Inbound

We facilitate the receipt of debtor calls and requests via phone, email, and digital platforms. Our inbound team provides support regarding payment deadlines, debt rescheduling options, electronic collection services, and payment records.

Visit the Inbound Services page

Outbound

We contact debtors via phone, SMS, email, and direct correspondence to ensure timely collection. Outbound activities include sending reminders about due obligations, negotiating new repayment models, and identifying high-risk clients for further action.

Visit the Outbound Services page

Omnichannel

We enable continuous communication through multiple channels, including phone, email, SMS, Viber, WhatsApp, and IVR systems. A centralized approach ensures better visibility, faster response to inquiries, and a more efficient collection process tailored to the profile of each debtor.

Visit the Omnichannel Services page