Technology: SmartSuite Credit Risk Management Software
Reduce risk and improve profitability by streamlining processes, increasing efficiency, and automating data-driven decision making across the customer lifecycle.
Our decisioning, collections, and recovery technology solutions offer business rule management across the entire customer lifecycle.
DecisionSmart
Enable credit assessment and customer onboarding.
CollectSmart
Accelerate efficiencies with specialist collections strategies and tactical actions.
BridgeSmart
Provides integration and data orchestration capabilities, collating data from multiple sources into a single response.
Installations of our solutions, globally.
Observed efficiencies achieved in collections.
Billion scores for lenders annually.
Our SmartSuite Products
DecisionSmart
DecisionSmart is a decision engine that allows business users to capture and apply business rules, matrices, scorecards, decision trees, terms of business tables and decision flows across the entire customer lifecycle.
Features
Scorecard Management: Facilitates management of all scorecard types, including application, behavioural, pre-delinquency, collections, and balance-build.
Scoring Engine: Processes data and calculates scores or outcomes using multiple hosted decision metaphors (e.g. scorecards).
Administration: Configures characteristics, scorecard properties, and ranges. Enables users to set standard and derived characteristics and manage properties and scorecard ranges for each scorecard. Other decision metaphors are also catered for.
Batch Scoring: Scores accounts in batch mode using files from host systems with automated scheduling (standalone version only).
Real-Time Decisioning Service: Provides real-time scoring via web services.
Scoring Engine: Processes data and calculates scores or outcomes using multiple hosted decision metaphors (e.g. scorecards).
Administration: Configures characteristics, scorecard properties, and ranges. Enables users to set standard and derived characteristics and manage properties and scorecard ranges for each scorecard. Other decision metaphors are also catered for.
Batch Scoring: Scores accounts in batch mode using files from host systems with automated scheduling (standalone version only).
Real-Time Decisioning Service: Provides real-time scoring via web services.
Benefits
Profitable decisions: Drives ROI across acquisition, account management, and collections.
Campaign growth: Enhances marketing targeting and conversion.
Thin/thick file origination: Enables risk-based lending for diverse customer types.
Credit limit optimisation: Manages exposure dynamically throughout the lifecycle.
Provisioning optimisation: Supports IFRS 9-compliant provisioning strategies.
Collections uplift: Improves strategy alignment and customer
Campaign growth: Enhances marketing targeting and conversion.
Thin/thick file origination: Enables risk-based lending for diverse customer types.
Credit limit optimisation: Manages exposure dynamically throughout the lifecycle.
Provisioning optimisation: Supports IFRS 9-compliant provisioning strategies.
Collections uplift: Improves strategy alignment and customer
CollectSmart
CollectSmart is a powerful, modular, enterprise-wide debt collection and recovery system that combines business-controlled segmentation with allocating appropriate and differentiated actions to individual customer profiles – all accessed via an easy-to-use interface.
Features
Portfolio Control: Manages multiple debt portfolios either independently or consolidated.
Strategy Testing: Supports Champion/Challenger testing of collections strategies.
Segmentation Trees: Enables business-defined segmentation and action assignment.
Queue Management: Allocates collector queues dynamically in real-time.
Automated Actions: Triggers follow-ups, letters, and commitments to pay automatically.
MIS Reporting: Offers configurable management and performance reporting.
User Interface: Structured, intuitive screens for collections agents.
Field Collections: Android app for mobile phones providing a subset of Collections capabilities with data caching for remote field collections.
Strategy Testing: Supports Champion/Challenger testing of collections strategies.
Segmentation Trees: Enables business-defined segmentation and action assignment.
Queue Management: Allocates collector queues dynamically in real-time.
Automated Actions: Triggers follow-ups, letters, and commitments to pay automatically.
MIS Reporting: Offers configurable management and performance reporting.
User Interface: Structured, intuitive screens for collections agents.
Field Collections: Android app for mobile phones providing a subset of Collections capabilities with data caching for remote field collections.
Benefits
Improved yield: Increases collection and recovery rates.
Operational control: Enhances oversight, compliance, and audit readiness.
Sophisticated segmentation: Aligns actions to customer risk and profile.
Efficient automation: Reduces manual workload and improves turnaround.
Low-code adaptability: Empowers business users without IT reliance.
Operational control: Enhances oversight, compliance, and audit readiness.
Sophisticated segmentation: Aligns actions to customer risk and profile.
Efficient automation: Reduces manual workload and improves turnaround.
Low-code adaptability: Empowers business users without IT reliance.
BridgeSmart
BridgeSmart provides data orchestration capabilities – acting as a hub for enabling interfaces to multiple endpoints (API’s) and stored data. It is commonly used to help you get the most out of bureau data. Able to connect to different bureaux, it prevents unnecessary calls, integrates with a variety of other data sources and manages all the data that is returned, all via a configuration-based approach to suit your desired needs.
Features
Admin Interface: Enable the configuration of multiple endpoints (e.g. bureau), optimisation parameters and setup capabilities for external integration capabilities, all via a web interface.
Data Access Service: Provides access to multiple data points, whether it be bureau data (via a pre-built web service), stored data from a database, or combining multiple-endpoint results into a single data structure for consumption by the originating system.
Online Data Archive: Can be configured to store and re-use the latest endpoint data (e.g. bureau records) for a specified time.
Data Access Service: Provides access to multiple data points, whether it be bureau data (via a pre-built web service), stored data from a database, or combining multiple-endpoint results into a single data structure for consumption by the originating system.
Online Data Archive: Can be configured to store and re-use the latest endpoint data (e.g. bureau records) for a specified time.
Benefits
Lower cost: Provides cost effective re-use of data when applied (e.g. mitigates redundant bureau queries) and supports multi-bureau strategies.
Greater flexibility: Integrates with external and internal data, decision services (e.g. DecisionSmart) or collections systems (e.g. CollectSmart).
Dynamic results: Allows for combination of selected endpoint results into a single (new) data object to be returned and consumed by the initiating system.
Faster deployment: Reduces IT dependency and accelerates go-live.
Greater flexibility: Integrates with external and internal data, decision services (e.g. DecisionSmart) or collections systems (e.g. CollectSmart).
Dynamic results: Allows for combination of selected endpoint results into a single (new) data object to be returned and consumed by the initiating system.
Faster deployment: Reduces IT dependency and accelerates go-live.
Why Choose Principa’s Credit Risk Management Software
Because credit risk management shouldn’t be guesswork.
With decades of experience in analytics, credit, and decisioning, Principa delivers proven software that helps you act with precision. Our SmartSuite brings together best-in-class decisioning, collections, and data orchestration tools—trusted by clients across Africa, the Middle East, and beyond.
Whether you’re scaling your lending business, tightening collections strategies, or making better use of bureau data, SmartSuite gives you the control, insight, and speed to do it right.
Built for business users. Designed for speed. Proven in the field.
Our Customers
Since 1999, we’ve served over 150 companies in 30 countries in Africa, the Middle East and Europe.
Ready to take your credit decisioning to the next level?
Get in touch to find out how we can help you do amazing things with your data to improve your business.
Whether you’re embarking just starting on your credit decisioning journey or have a whole heap of stuff that makes you awesome, we’re here to help you take your credit decisioning to the next level.