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Collections Outsourcing
We train every collector on your portfolios, systems, and escalation paths before the first call, then we absorb the daily recovery volume. Your team keeps the strategy and the sensitive accounts that call for your own judgment.
First-Party Collections
We recover early-stage balances in your brand's name, protecting the relationship while bringing accounts current.
Late-Stage and Recovery Support
We stay on your aging and delinquent accounts with consistent outreach that turns promises-to-pay into payments.
Payment Negotiation and Arrangements
We set up payment plans that fit the customer's situation and still move you toward your recovery targets.
Dispute Handling and Account Updates
We resolve disputes, update account records, and document every interaction for a clean audit trail.
A collections call is one of the most sensitive conversations your brand will have. Push too hard, and you lose the customer. Go too soft, and the balance keeps aging. Our collectors are trained to strike that balance, because we build financial services BPO teams that handle regulated conversations every day.
Our teams work from Monterrey and Mexico City, a short flight from your office and in your time zone, so your leadership can run calibrations in person. At 97.8% annual team retention, the collectors who learn your portfolios keep working on them, and that continuity is why our clients don't just renew, they hand us more of their portfolios.
Balances come in faster than your team can work them. After-hours accounts sit untouched. Aging debt slips past the point of recovery. And the compliance risk on every collection call? One careless conversation becomes a formal complaint.
Aging Accounts
Your team can only call so many accounts a day. The ones they don't reach keep aging, and a 90-day balance recovers at a fraction of a fresh one.
Compliance Risk
Every call carries regulatory exposure. One careless conversation can turn a routine balance into a formal complaint that follows you into the next audit.
Offshore Backfires
Translated scripts and overnight time gaps strain the exact conversations where a customer decides how they feel about your brand.
Every 30 days an account ages, it gets harder to recover and easier to dispute.
How much of your portfolio
is aging right now?
Your accounts will not wait. Your competitors will not slow down.
Every day without the right recovery team costs you more than you think.
No pressure, no hard sell. Just a conversation about what is possible.
Five steps take us from your first portfolio handoff to steady recovery on your accounts.
A U.S. digital payments platform
The Challenge
The Solution
The Results
85%+
<5%
6 Months
*Results vary by engagement. This case study reflects one client's experience.
First-Party Collections
Early-Stage Delinquency Outreach
Late-Stage Collections
Payment Plan Negotiation
Promise-to-Pay Follow-Ups
Dispute Resolution
Skip Tracing Support
Inbound Payment Support
"We needed a partner who could move fast without cutting corners on compliance. Amalga delivered."
"The improvement happened faster than we expected. Their team operates like an extension of ours."
"Their energy is above and beyond anything we've experienced with outsourcing."
Our nearshore model runs your recovery work on your business hours and in a culture your customers recognize. Our collectors speak accent-neutral English and read the cues that keep a tense payment conversation respectful. When a customer feels understood, they pay, and they stay a customer afterward.
Nearshore BPOWe train every collector on the Fair Debt Collection Practices Act, Regulation F, and applicable state rules before they join your account. We monitor calls for compliance in real time. We maintain audit trails and documentation for your reviews, and we can walk through our controls during discovery.
ComplianceCompare sticker prices and offshore usually wins, and we won't pretend otherwise. What it often costs you is recovery rate and compliance control, the two things that actually move a portfolio. With Amalga, you save 40% to 50% versus U.S. teams and keep both, which is the math most financial services BPO buyers care about.
PricingDone well, a collections call recovers the balance and keeps the customer. Our collectors read each account and know how far to press, when to hold back, and how to keep the conversation compliant. Many of these customers stay with you long after the balance clears.
Customer ExperienceScaling is built into how we work. As your portfolio grows, we add trained collectors through structured handoffs, in-process quality checks, and a governance model built for volume. Regular calibration calls and reporting keep recovery consistent as you add accounts.
QualityWe handle process transfer, system access, and training during onboarding, and our playbook-driven approach means we start from a proven process on day one. Most collections teams ramp in three to six weeks depending on portfolio complexity and compliance training.
ImplementationYou own the portfolios, the strategy, the compliance policy, and the customer relationships. We run the hands-on work: outreach, negotiation, dispute handling, and reporting. You lead, we execute.
ScopeOur senior leadership stays close to every engagement, not just an account manager. Our team maintains relationships with your operations leadership, and we travel to client offices for on-site collaboration. That is the boutique, high-touch approach we are known for.
Account ManagementOur collectors work with your tools, because we train on your stack, including Salesforce Financial Services Cloud, Jack Henry, FIS, Fiserv, Genesys, Five9, NICE CXone, and Zendesk. No migration required.
TechnologyStart with a recovery assessment. We will discuss your portfolios, recovery targets, compliance requirements, and pain points, then scope a collections outsourcing pilot or full engagement around your needs. If we are not the right fit for your portfolio, we will tell you.
Getting StartedCollections in financial services means strict regulatory rules, data security, and audit trails. We don't cut corners.
ISO 27001 Certified
Enterprise-grade information security management system
PCI DSS Compliant
Secure handling of cardholder and payment data across every interaction
SOC 2 Type II In Progress
Independent verification of security controls underway
100% Bilingual, U.S. Time Zone
English and Spanish support aligned to your business hours
We staff, train, and manage a collections team built around your portfolios and your compliance rules, so your recovery climbs without adding compliance exposure.
