Nova for Finance
Recover the loans you already wrote off.
Your collections team is leaving more than ₱141M on the table every year. Nova plugs into your loan-management system and recovers most of it within 90 days, without replacing your collection ops. Built for Philippine lenders who would rather move money than chase spreadsheets.
The LMS gap
Loans break in the collections branch.
Your loan-management system already handles approval, contracts, and disbursement. Where it leaks money is after default. The account gets flagged, a person works a queue, notices go out, and most of the balance still ends up written off.
Nova does not replace that system. It plugs into the four stages where AI actually moves the needle: predicting the default, segmenting the risk, running Tier-1 contact, and deciding which accounts are worth legal action. The happy path stays exactly as it is.
The plan
Six places Nova plugs into your LMS.
Each capability maps to a specific stage in your existing post-default flow. No rip-and-replace, no second system for your team to learn.
Pre-default early warning
Predict which loans will default 30 to 90 days out from payment patterns, balance signals, and macro data. You move from reacting after the miss to acting before it. Modeled to flag around 60% of defaults early.
Risk-based segmentation
Score each delinquent loan for self-cure probability, the best channel, the best contact time, and the best agent match before anyone dials. Modeled: a lender on this stack targets roughly 4x higher right-party-contact.
Voice and SMS agents
Tier-1 right-party-contact, payment commitments, and basic plan offers handled autonomously. Humans take only the escalations. Designed to run about 70% of Tier-1 calls without a person.
Compliance guard
Every contact passes an AI filter for RA 11765, FDCPA, and the BSP circulars on AI and consumer credit. PII is auto-redacted and every attempt lands in an immutable log, with the goal of 100% of contacts logged.
Settlement and plan optimizer
Recommends the settlement percentage and plan terms that maximize recovery times probability of acceptance, per borrower. Modeled at around +18% lift on negotiated recoveries.
Legal-action ROI filter
Predicts which accounts have positive recovery ROI from legal action and routes the unrecoverables straight to write-off. Modeled at roughly 35% lower legal spend at the same gross recovery.
Built to be examined
Compliance on every contact, not as a report.
Nova is built around the regulation Philippine lenders already answer to. The audit evidence is a by-product of running, not a quarterly scramble.
BSP-aligned
Built for the BSP circulars on AI and consumer credit, with conduct expectations mapped into how every agent contacts a borrower.
RA 11765 ready
The Financial Consumer Protection Act, built into the contact filter: timing, frequency, language, and disclosure checked before anything goes out.
Security-first architecture
Access controls, audit logging, and encryption throughout: an immutable audit trail on every read, write, and AI action, with PII auto-redacted in logs. An on-prem option is available.
One blocked violation pays for the year
A single avoided RA 11765 or FDCPA breach can cover a year of platform cost. Compliance reporting is part of the product, not a separate invoice.
The honest numbers.
Modeled figures from PH market data and published case studies, not signed-customer results and not a contract. We run your actual portfolio before you sign anything.
- ₱141M+
- Left on the table each year by a typical lender's collections team
- 90 days
- To recover most of it, plugged into your LMS, no rip-and-replace
- +10 pts
- Recovery-rate lift, inside the McKinsey and Bain case-study range
- ~2 mo
- Typical payback once early-warning and agents are tuned
Where Nova inserts.
The four stages of the post-default branch where AI moves the needle, mapped to your existing flow.
Pre-default: read the same payment and balance signals your LMS already stores, and flag the loans heading for trouble before the missed payment posts.
Late fee and reminders: segment each delinquent account by self-cure odds, channel, and timing, so the first contact is the right contact.
Collections: voice and SMS agents take Tier-1 contact and payment commitments end to end, with the audit trail attached, and hand escalations to your people.
Legal and write-off: the ROI filter decides which accounts are worth pursuing and which go straight to write-off, so your legal spend follows the recoverable money.
Get a custom ROI memo on your portfolio.
Send us your outstanding portfolio size and default rate. We model your additional recovery, agent efficiency, and payback, then send back a one-page memo within 48 hours. Free, and modeled on the real PH market.