Debt Platform

One modular platform for debt data operations

Debtica is an 8-module platform for debt data migration, collection execution, valuation, document handling, structured reporting, client self-service portals, partner oversight and marketplace transactions. It is built to deliver operational excellence, stronger recovery control and exceptional ROI through focused modules that share one governance, audit and access-control foundation.

The platform combines process orchestration, language-aware document review, submitter and receiver reporting flows, marketplace workspaces, reusable valuation models and governed support around guides, licensing and contextual assistance.

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Platform workspace

One operating surface for the modules you choose

Each Debtica module has a clear operating role. Customers can use a single capability or a selected module mix while keeping one governed data model, access layer and audit trail across connected workflows.

Platform highlights

Built as modules, governed as one system

Each module can stand alone, but the real value appears when they share one data model, one audit trail and one access layer.

The platform includes licensing, settings packs, party identities, integrations, guides, system checks and contextual assistant support across the 8-module operating model.

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Choose only what you need

Use the selected capabilities that match the business case, without forcing full-suite adoption.

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Shared governance

Roles, assignments, audit records and configuration stay consistent across modules.

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Connected workflows

Documents, reporting submissions, migration data and collection cases can move through one controlled lifecycle.

Operating journeys

Value-added journeys across the Debtica platform

Debtica is more than a set of selectable modules. The real value appears when intake, validation, documents, collection work, reporting returns and partner oversight move through one governed operating layer.

01

NPL data onboarding

A seller or partner uploads portfolio data through Portal. Migration maps, validates and normalises it, then the clean batch can be exported or continued directly in Collection.

Portal->Migration->Collection / Export

Faster onboarding, fewer spreadsheet errors and cleaner downstream data.

02

Outsourced servicer control

External partners submit recurring returns and updates. Report structures the intake, Panel compares quality and performance, and management sees where follow-up or reallocation is needed.

Report->Panel->KPI / Escalation

Clear supplier governance, fewer blind spots and better allocation decisions.

03

Document-to-case processing

Files arrive by upload, watched folder or mailbox. Document intake and OCR make them searchable, reviewers classify them, and evidence is connected to cases, partners, accounts or assets.

Document->OCR review->Case evidence

Searchable evidence, faster preparation and less manual document handling.

Complete journey catalogue

The flagship stories above are the strongest entry points. The wider Debtica model covers twelve practical operating journeys, each connecting modules, controlled data and accountable work.

01

NPL data onboarding

External portfolio data enters through Portal, is mapped and validated in Migration, then moves to Collection or export.

Portal, Migration, Validation, Collection, Export

Cleaner onboarding with fewer spreadsheet errors.

02

Outsourced servicer control

External servicer returns and updates are collected, compared and followed up through a managed oversight surface.

Report, Panel, Portfolio, Collection

Better supplier governance and fewer blind spots.

03

Client repair round trip

Validation issues become controlled repair workbooks returned through Portal and applied back to the source batch.

Validation, Portal, Migration

A clean correction loop without email chaos.

04

Document-to-case processing

Uploads, watched folders and mailbox-style intake turn documents into searchable, reviewable case evidence.

Document, OCR, Collection, Case views

Faster preparation and less manual handling.

05

Early warning to targeted treatment

Risk signals reveal deteriorating cases or subportfolios before users launch targeted treatments or campaigns.

Collection, Early Warning, Campaigns

Proactive intervention with auditable control.

06

Portfolio valuation and bid preparation

Normalised Migration data feeds valuation scenarios, criteria, assumptions and exclusions for pricing decisions.

Migration, Valuation, Criteria, Portfolio

Repeatable analysis from controlled data.

07

Regulatory and management reporting

Teams and partners submit structured answers, files and confirmations with visible due, review and acceptance statuses.

Report, Portal, Admin, Notifications

Stronger evidence, fewer manual reminders.

08

Panel performance governance

Servicers are compared by recovery, timeliness, file quality, SLA, query handling and escalation behaviour.

Panel, Report, KPI, Collection

Transparent performance and allocation decisions.

09

Automated intake from watched folders

Recurring files are collected from storage locations, archived or separated on error, then routed to the right module.

Connectors, Document, Migration, OCR

Less chasing, clearer traceability.

10

Legal and enforcement package preparation

Case data, account context, documents, evidence and process history are gathered for cleaner legal handoff.

Collection, Document, Legal, Export

Better evidence readiness and less preparation time.

11

Collection workflow execution

Structured stages, actions, templates, outcomes, tasks and follow-up rules support scalable case handling.

Collection, Process Engine, Tasks, Campaigns, KPI

Consistent operations and measurable activity.

12

Partner collaboration and controlled handoffs

Files, corrections, reports, documents and portfolio work move through visible status-based partner handoffs.

Portal, Report, Migration, Document, Notifications

Safer collaboration and clearer accountability.

Modules

Explore the eight Debtica modules

Eight modules cover the debt data operating model from intake and migration to execution, reporting, partner oversight and transactions, with shared data, permissions and audit control.

Migration

Move raw debt files into clean, governed datasets with reusable import templates, cleansing rules, validation checks and export packages.

Import templates

Automated cleansing

Validation controls

Clean exports

Formula logic

Report studio

Explore Migration

Collection

Coordinate case queues, action journeys, assignments and communication history from one operational collection workspace.

Case queues

Strategy journeys

Assignments

Communication timeline

Process graphs

Sender identities

KPI configuration

Explore Collection

Valuation

Support portfolio and case-level valuation with assumptions, scenario views and review packs connected to the same data foundation.

Assumption sets

Scenario views

Portfolio scoring

Review packs

Reusable models

Formula steps

Run snapshots

Explore Valuation

Document

Bring documents into the debt data lifecycle with extraction, pattern detection, routing and audit evidence.

Text extraction

Pattern detection

Routing

Audit evidence

OCR readiness

Language selection

Attach workflow

Explore Document

Report

Manage structured reporting flows, recurring obligations, submitter workspaces, receiver review, tracking and analysis in one controlled workspace.

Reporting periods

Form templates

Submitter tracking

Indicator analysis

Receiver review

Discreet aggregation

Aggregate XLS

Explore Report

Portal

Give B2B clients a secure self-service room for debt uploads, reports, invoices, documents, recalls and service requests.

Debt uploads

Reports and invoices

Documents

Recalls

Service requests

Controlled exchange

Explore Portal

Panel

Manage external debt-servicing partners with portfolio allocation, recurring report intake, KPI comparison, SLA alerts and escalation tracking.

Portfolio allocation

Report intake

KPI comparison

SLA alerts

Escalation tracking

Regional views

Explore Panel

Marketplace

Run direct or auction-style NPL transactions with controlled data rooms, due diligence, Q&A, bidder access, offer comparison and closing evidence.

Data room

Due diligence

Q&A and bids

Closing workflow

Client portals

Connector handoffs

Access control

Explore Marketplace

Service line

Collection as a Service

A self-onboarding cloud service model for organisations that want to submit receivables, prepay invoice capacity and track controlled collection treatment without running a full internal collection operation.

Explore Collection as a Service

The service line covers self-onboarding requests, prepaid receivable capacity, recharge/top-up flows and subscriber workbooks for customer, balance and payment data.

Collection service delivery

The service combines Debtica Collection with guided invoice upload, payment refreshes, controlled communication, status tracking and activity/result reporting.

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See Debtica in action

Tell us which module is most relevant for you and we will prepare a walkthrough around your real workflow.

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