About us
With over 15 years of combined industry knowledge in Debtors Management, Debt Collection, Human Resource, Business Intelligence and Information Technology within Financial Services, Zumi Solutions offers a custom take on debt recovery, encompassing call centre, field collections and technology.
We work on a “no collection, no cost” basis, so there are no monthly costs billed to our clients.
Zumi Solutions is registered with the Council for Debt Collectors – 0127462/21.
What we offer
Zumi Clientzone
Zumi Solutions uses a customer facing clientzone, where users are pre-registered on receipt of handover portfolio. Customer functionality is as follows:
- Latest account information (Updated within 24 hours of account change)
- Legal documents (Payment requests, LOD, statements)
- Payment facilities (Ozow EFT / Standard EFT / Debit order mandate)
- Payment arrangement (Pre-set or on debtor request)
- Virtual helpdesk (Responded to via email, SMS or telephone)
- Web and mobile responsive
Early stage collections:
Zumi Collections offers industry-tailored solutions to early-stage debt recovery. This encompasses all debts that are 0-90 days in arrears. We adopt a specific collection strategy that places emphasis on educating the consumer via SMS, email and telephone calls which relies on a soft-handed approach to rehabilitate our debtors.
During this collections phase, we also attempt to establish contact via our multilingual collections call centre. By using tracing methodology and real-time credit bureau data, we are able to obtain fresh contact information on our clients’ consumers and then use this to establish successful contact which allows us to initiate recovery negotiations.
Late stage collections:
After 90 or more days of non-payment, Zumi Collections offers unique field collection services, whereby we have dedicated collection agents that can visit the customer at their homes or places of employment to deliver legal correspondence, load Debicheck debit orders against the consumer or take card payments via POS (point-of-sale) devices. This service has proven to be valuable for customers residing in outlying areas where access to technology is limited, or where elderly and disabled customers have to travel long distances to access banking institutions.
If all attempts to collect a debt have been exhausted, then additional legal action may be taken at the client’s request.
Stagnant Debt:
Zumi Collections also offers collection solutions for extremely stagnant debts with our specialized call centre and field visitation collection strategy. Using our sophisticated data washing capabilities, we are able to track down consumers with the aim of resetting prescription by activating older accounts, and then facilitating rehabilitation of debtors into regular account payers.
*** Please note that the Debicheck debit order facility is currently not available for Business bank accounts.
Customer reporting
Zumi Solutions provides monthly debtor performance reporting to its customers, focused around key drivers to successful debt recovery.
- Repayment rates
- Repayment methodology
- Payment recency analysis
- PTP performance
- Debtor activity report
Custom reporting requests
Our experience in Business Intelligence within the financial service sector, allows us to provide financial, operational, performance and impact statistic reports, on loan books and portfolios, at the customer’s request.
