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Better decisions on every loan, from approval to recovery.

We build software for banks that run collections and credit policy. Keo manages the field collection effort. Our business rule engine lets your teams set the rules for collections and underwriting themselves.

Explore KeoExplore the rule engine
  1. Credit policy and credit boxWho you lend toRule engine
  2. Limit managementHow much you lendRule engine
  3. Collection allocationWho works which overdue caseRule engine
  4. Field visits and follow-upWhat the agent did, and whereKeo
  5. Monitoring and analyticsWhat is workingKeo

Two problems that quietly cost banks money

Recovery and credit quality both depend on rules and on follow-through. Most banks struggle with both.

The collection effort

  • Cases reach the wrong agentAllocation is manual, so severe cases wait and workloads are uneven.
  • Field work is hard to verifyHead office cannot tell whether a customer was visited, or when.
  • History is scatteredCalls, notices and promises live in different places, so each agent starts from scratch.
  • Performance is unclearFew banks can compare agents or branches, or see how many promises to pay are kept.

Rule configuration

  • Rules are locked in codeEvery change to collection or credit policy needs a development cycle.
  • Policy changes are riskyTeams cannot easily test what widening or tightening the credit box would do.
  • Allocation logic is rigidDelinquency severity, soft and hard collection, and agency versus bank channel are hard to combine.
  • Limits are managed by handLimit decisions vary between teams and are slow to adjust.

Two products, built to work together

Use Keo to run collections in the field, the business rule engine to set the rules, or both.

Flagship

Keo

Collection management for banks. Allocate cases to branch agents, verify field visits, and monitor recovery from one place.

  • Case allocation to agents at branch level
  • Visit tracking with geo-tagging
  • Full history of every intervention
  • Central monitoring and analytics, including promise-to-pay rate and peer analysis
Explore Keo
Configurable by your teams

Business Rule Engine

Define collection and credit rules in one place, without writing code.

  • Collection allocation engine: severity of delinquency, soft or hard collection, agency or bank channel
  • Underwriting rule engine: credit policy, credit box testing, limit management
Explore the rule engine

The rules decide. Keo makes sure it happens.

When your allocation rules are clear and every field visit is recorded, you can see what is working and change what is not.

See how Keo worksSee how rules are configured

Tell us about your collections and credit policy

Share your portfolio, branch network and collection channels, and we will show you where Keo and the rule engine fit.

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