Collections software for consumer lending
Whether you write personal loans, BNPL or specialist credit, arrears are part of the book. Flexys gives you one system to manage them: automated, auditable, and built for how customers want to resolve a missed payment.
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Your loan book is growing faster than your collections team
Growth is the point. But every thousand new loans brings a predictable share of missed payments, and scaling collections by hiring rarely keeps up. Manual processes that worked at 5,000 accounts break at 50,000.
Lenders in the near-prime and specialist space face a second pressure: a higher incidence of customers in difficult circumstances, and an FCA that expects vulnerability to be identified, recorded and acted on every time.
Flexys handles the volume through automated workflows and customer self-service, so your team's time goes where judgement is needed. Every action lands in one auditable collections record.
How Flexys is configured for consumer lending
Resolution on the customer's terms
Customers resolve arrears on their own terms: online, at any hour, with affordability built into the journey. The right message reaches the right customer at the right time.
Routine work, automated
Automation does the chasing, the reminders and the routine arrangements. Your cost to collect stops scaling with your loan book.
Every decision evidenced
Configurable rules for vulnerability, forbearance and treatment paths, with a complete audit trail behind every decision. When the FCA asks how a customer was treated, the answer is in one place.
Scale without growing the team
Handle greater arrears volumes without growing the team. Change strategies, journeys and communications yourself, without waiting on a vendor's release cycle.
Trusted by lenders of every size
Plata runs its collections on Flexys, alongside lenders and finance providers including MotoNovo Finance and OSB Group.
Different products, one system. Personal loans, BNPL and specialist credit run side by side.
Different sizes, same software. From a single-brand lender to a group running several.
Every stage, one record. From the first missed payment through to resolution.
Consumer lending collections software: common questions
What does consumer lending collections software do?
It manages the arrears side of a loan book: automated communications and workflows from the first missed payment, a self-service portal for customers, agent tools for the accounts that need a person, and a complete, auditable record of everything that happened.
Does Flexys integrate with our loan management system?
Yes. Flexys integrates with core banking and loan management systems, which remain the source of balances and payments. Flexys holds the complete record of collections activity: communications, arrangements, actions and decisions.
How does Flexys help us grow without growing the collections team?
Automation and self-service absorb the volume. Routine arrears run through configured journeys, most customers resolve things themselves online, and agents work only the accounts that need judgement. Lenders on Flexys handle greater volumes without additional headcount.
How does it support Consumer Duty and vulnerable customers?
Flexys applies configurable rules for identifying and treating vulnerability, records every interaction with a full audit trail, and evidences the outcome each customer received. The FCA's four drivers of vulnerability (health, life events, resilience, capability) can be reflected in your treatment paths. Your compliance obligations remain your own; Flexys gives you the records to evidence them.
Can we change strategies ourselves?
Yes. Workflows, communications and treatment journeys are configurable by your team. Change a journey and it takes effect immediately, without a development ticket.
See Flexys configured for consumer lending
Book a demo and we'll show you how a growing loan book runs on Flexys: the automation, the self-service journeys and the audit trail behind every account.
Book a demo