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Are your collections operations built for today’s reality?

Legacy systems weren’t built for the pressure of rising delinquencies, evolving regulations and digitally empowered customers. The collections landscape has changed—can your platform keep up?

  • 86% of borrowers prefer self-service options for debt resolution.
  • 84% of collections leaders see automation as key to lowering delinquency rates.
  • 70% of large banks say outdated tech limits their digital strategy.
Arum approved stamp

CGI Credit Studio for collections is an ‘Arum Approved System’

Arum Global’s certification validates that our solution meets global collections and recoveries requirements for robust functionality, modern technology, and client-ready implementation.

Why creditors choose CGI Credit Studio for collections

CGI Credit Studio for collections redefines how organizations manage delinquency, from early intervention through to recovery. Built on a modern, event-driven architecture, our credit and collections SaaS platform empowers teams with real-time insights, intelligent automation and adaptable workflows to increase efficiency and improve outcomes. Designed for today’s digital-first customers, the platform delivers smarter collections with less friction, making it a future-ready choice for credit and collections software buyers.

45+ years
experience in default management
$2+ trillion
debt processed daily
75%
of top 20 banks globally trust CGI

Benefits of our credit and collections software

real time recovery

Real-time recovery

Event-driven workflows adapt instantly to customer behavior to boost resolution rates.

business-led innovation

Scalable self-service

Omnichannel tools and virtual agents reduce costs and improve customer experience.

faster time to value

Built-in compliance and insights

Automated controls and AI-enabled analytics keep you proactive and compliant.

smarter decisioning

Smarter decisioning

AI-driven decisioning and predictive models prioritize high-risk accounts and guide next-best actions.

Embedded, collections-specific AI

CGI Credit Studio for collections applies AI in a way that is measurable, responsible and aligned with the realities of U.S. collections operations. Our approach to AI in collections is built for phased adoption—beginning with lower-risk, assistive use cases and expanding over time as organizations build confidence.

Key attributes of our AI-enabled collections capabilities include:

  • Embedded, not bolted-on AI, configured within the collections platform where strategies, workflows and controls already live
  • Collections-specific intelligence, grounded in real collector workflows and day-to-day operational needs
  • Designed to align with governance and risk expectations, with defined human decision points and outputs that can be reviewed, audited and documented for compliance
  • Strategy-aware decision support, extending beyond individual interactions to prioritization, channel selection and treatment paths
  • Supports both collectors and customers, bringing AI-assisted agent tools and digital self-service together within the same collections platform
  • Designed for real-world adoption, reducing the risk and disruption of moving from AI pilots to production use

AI copilot capabilities for collectors

CGI Credit Studio for collections offers a growing set of AI copilot capabilities that support collectors before, during and after customer interactions—without taking actions on their behalf.

Smiling business woman talking on a headset

Call Summarization

Call Summarization uses AI to generate structured summaries of collections calls, capturing key outcomes, next steps and context automatically. This reduces after-call work while supporting quality assurance, coaching and documentation consistency.

Typical impact (industry benchmarks): up to 30% reduction in after-call work and a one-minute or more reduction in overall call time.

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Cleo

Cleo (available soon) enables collectors to ask natural-language questions about accounts, policies and procedures and receive relevant guidance without leaving their workflow.

Typical impact (industry benchmarks): up to 20% improvement in agent productivity by accelerating access to information. 

Businessman working on a laptop

Agent Assist

Agent Assist (available soon) provides AI-assisted, real-time prompts to support disclosures, hardship discussions, objections and payment plan conversations—while keeping the collector fully in control.

Typical impact (industry benchmarks): 10–20% improvement in promise-to-pay conversion and up to 20% reduction in agent attrition.
 

CGI Credit Studio for collections lifecycle

Driving better results across the collections life cycle

CGI Credit Studio for collections supports every stage of the default journey, from early intervention to final resolution, helping creditors optimize outcomes.

  • Pre-collections
  • Early-stage collections
  • Late-stage recovery
  • Bankruptcy and repossession

Integration, deployment and governance

CGI Credit Studio for collections is designed to integrate into existing collections ecosystems, with controls that support responsible AI adoption.

  • Open APIs enable integration with systems of record and selected third-party services, supporting existing data, security and architecture standards.
  • Digital self-service across web and mobile channels extends the customer experience with omnichannel tools and AI-enabled virtual agents, helping customers resolve debt on their terms.
  • Analytics and reporting provide visibility into strategy execution, workflow performance and measurable outcomes across the collections life cycle.
  • Human-in-the-loop design maintains collector control, with defined decision points that ensure AI supports—rather than replaces—human judgment.
  • Reviewable and auditable outputs support quality assurance, coaching and documentation needs for compliance and oversight.
     
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Financial review of spending with a man and woman writing in a notebook

A proven partner in default management

Unlike many other providers, CGI brings more than 45 years of collections expertise and a proven track record. With CGI, you don’t just get modern credit and collections software; you gain a strategic partner committed to your long-term success. We combine innovative, cloud-native technology with a collaborative approach to help you meet rising customer expectations, strengthen recovery performance and drive continuous operational improvement.

  • Trusted by 75% of the world’s top 20 banks 
  • 14,000 banking professionals
  • 27-year average relationship with our top 10 global banking clients

Trusted by the world’s top creditors

 

credit studio retail banks
credit studio collections agencies
Credit Studio auto finance companies
Retail banks and credit unions Collections agencies Auto finance companies

 

 

Credit Studio telecommunications provider
Credit Studio utilities provider
Credit Studio retailers
Telecommunications
providers		 Utilities
providers		 Retailers

 

Connect with our team to learn more about CGI Credit Studio for collections

Discover how our credit and collections software solution can help you modernize your operations.