Nova plugs into your LMS and recovers most of it within 90 days — without replacing your collection ops. Built for Philippine lenders who'd rather move money than chase spreadsheets.
Your loan-management system already handles approval, contracts, and disbursement. Where it leaks money is post-default. Nova plugs into the four stages where AI moves the needle.
Six high-leverage AI capabilities. Each maps to a specific stage in your existing flow — no rip-and-replace.
Predict which loans will default 30–90 days out from payment patterns, balance signals, and macro data. Move from reactive to proactive.
60% of defaults flagged earlyScore each delinquent loan for self-cure probability, best contact channel, best contact time, and best agent match before you dial.
4× higher right-party-contactTier-1 right-party-contact, payment commitments, basic plan offers — handled autonomously. Humans only on escalations.
70% of Tier-1 calls autonomousEvery contact passes an AI filter for FDCPA, RA 11765, and state-specific rules. PII auto-redacted. Immutable audit trail.
100% of contacts loggedRecommends optimal settlement % and plan terms that maximize recovery × probability of acceptance per borrower.
+18% lift on negotiated recoveriesPredicts which accounts have positive recovery ROI from legal action. Routes unrecoverables straight to write-off.
−35% legal fees, same gross recoveryMove the sliders. Numbers update live. Defaults reflect a typical mid-large lender — directional, not contractual.
The four formulas:
What the model overstates:
What the model leaves out (under-counts):
Net: math is internally consistent and follows industry-standard additive-pts modeling. Defaults sit in the middle of published case-study ranges. For a contractual figure, we run your actual portfolio data — see the CTA below.
A real working dashboard wired to a sample lender portfolio. Recovery trends, AI activity, prioritized accounts, compliance log — toggle mobile or desktop and scroll inside either frame.
Want Nova tailored to your chart of accounts, ERP, and reporting cadence?
Talk to UsSend us your outstanding portfolio + default rate. We'll model your additional recovery, agent efficiency, and payback — a custom 1-page memo back in 24h.
Drop your email — we'll send a 1-page memo custom-modeled on your portfolio (or vertical), with the math, assumptions, and payback chart. 24h turnaround.