Core Alliance Solutions is a premier provider of debt recovery services, specializing in assisting businesses, banks, and financial institutions with effective management of receivables and collections. With a team of experienced professionals, we leverage cutting-edge strategies, technologies, and legal expertise to recover outstanding debts efficiently and in a timely manner.
Our approach is designed to help clients improve cash flow, streamline their collections processes, and reduce operational costs, ultimately leading to enhanced financial health. We prioritize maintaining strong and professional relationships with clients, ensuring that the debt recovery process is conducted with respect and sensitivity, avoiding damage to customer relationships.
We employ innovative solutions such as automated debt recovery tools, data analytics, and predictive models to optimize collection strategies. By integrating multi-channel communication platforms, we engage debtors across various touchpoints, enhancing recovery outcomes. Additionally, our legal experts are equipped to handle complex debt recovery cases, ensuring compliance with industry regulations and mitigating legal risks for our clients.
Our in-depth understanding of the local market, regulatory frameworks, and business culture in Pakistan enables us to deliver highly effective debt recovery solutions. We work closely with businesses across various industries, offering:
At Core Alliance Solutions, our leadership team brings extensive experience and expertise. With experience over a decade, our team has successfully worked with leading businesses and managed extensive portfolios of B2B and B2C debtors across Pakistan and globally.
Our leadership team has had the privilege of working with clients from the US, Europe, China, the Gulf region, and more, handling diverse industries and complex challenges. This includes debt recovery from both corporate and individual accounts, ensuring smooth cash flow for businesses of all sizes.
At Core Alliance Solutions, we understand the importance of creating customized debt collection strategies that align with the specific needs of our clients, particularly banks. Our approach is built on maximizing recovery rates, minimizing delinquency, and optimizing operational efficiency while maintaining the highest ethical standards. Here’s a breakdown of our strategy:
Our strategy focuses on key objectives that help banks achieve their financial goals while maintaining strong customer relationships. These objectives include:
We handle collections with professionalism and sensitivity to ensure that banks preserve long-term customer relationships.
We aim to recover the highest possible amounts from both performing and non-performing loans (NPLs), across retail and corporate portfolios.
We adhere to the highest standards of regulatory compliance, protecting banks from potential legal and reputational risks.
We work proactively to reduce the frequency and severity of delinquent accounts by intervening early.
By using advanced technology and expert resources, we streamline the debt collection process to lower the cost per dollar collected.
Given the complexity and size of bank operations, we offer a bespoke strategy tailored to meet specific needs. Our approach includes:
We use a segmentation strategy to categorize debtors based on risk levels, enabling us to implement targeted strategies:
Prevent escalation and encourage immediate repayment.
Approach
Friendly reminders via SMS, email, and phone calls, offering flexible payment plans or settlement options. Automated tools ensure efficiency.
Engage the debtor and encourage resolution of the outstanding balance.
Approach
Direct communication by specialized agents, focusing on payment arrangements or settlements. Formal letters may outline potential consequences if the debt is not resolved.
Recover as much of the debt as possible through negotiation or legal avenues.
Escalate to negotiations for settlement or repayment agreements, possibly involving legal action. In cases where recovery is not feasible, we explore restructuring or write-off options.
We refine our strategies further based on the type of debt:
We offer customer-friendly repayment solutions that respect the sensitive nature of personal financial hardship while remaining firm on recovery.
More complex negotiation strategies are employed, especially in cases involving assets. Our legal team collaborates with the bank to execute asset liquidations or restructuring solutions when necessary.
To enhance operational efficiency and improve recovery rates, we integrate cutting-edge technologies:
AI-driven debt collection software automates reminders, tracking, and follow-ups, reducing costs and speeding up the collection cycle.
We use predictive analytics to assess the likelihood of debt recovery and prioritize high-potential accounts, providing insights on the most effective collection methods.
Multi-channel communication tools allow seamless engagement with debtors via text, email, and IVR systems. These platforms can integrate payment gateways, enabling real-time payments.
Real-time dashboards and performance analytics provide full visibility into the recovery process. Banks can monitor KPIs like recovery rates, customer satisfaction, and cost-to-recovery ratios.
From overdue invoices to large debtor portfolios, we’re here to help reclaim your cash flow.Let us handle the tough conversations while you focus on your business growth
Core Alliance Solutions upholds the highest standards of compliance and ethical practices in debt collection, aligned with Pakistani regulations.
We ensure full compliance with Pakistan's legal requirements, including the Protection of Personal Data Act and Financial Institutions (Recovery of Loans) Ordinance, 2001.
Our agents use respectful, professional communication, avoiding aggressive tactics that could harm the bank’s reputation.
We have an efficient process for resolving complaints and disputes amicably, escalating to legal action only when necessary.
To enhance operational efficiency and improve recovery rates, we integrate cutting-edge technologies:
Measures the percentage of debt recovered from the total outstanding debt.
Tracks the time taken to recover debt from initial delinquency to resolution.
Assesses the operational cost for each dollar recovered.
Monitors debtor satisfaction through regular surveys, ensuring long-term loyalty.
Reducing future delinquencies with proactive strategies like credit risk scoring and borrower education.
Adapting to changes in regulatory, economic, or market conditions as the bank’s portfolio grows.
Percentage of debts recovered across different segments.
Success in bringing accounts back to good standing through early-stage collections.
Regular, detailed performance reports with dashboards and insights.
Response rate to collection communications.
Success in recovering debt through legal actions.
Quarterly or bi-annual reviews to assess progress and refine strategies.
At Core Alliance Solutions, we help businesses like yours recover unpaid debts while maintaining professionalism and compliance. Partner with us for effective solutions tailored to your industry.
224 Ahmed Block, Garden Town, Lahore, Pakistan.
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