Collections and Recovery Software for Banks and Credit Unions
SAFIRE-IQ gives leadership auditable control over collections, recovery, and compliance, without replacing your core.
Thousands of collectors
Working accounts in SAFIRE-IQ across the US
20–50%
Delinquency Reduction
Any loan type
Consumer, commercial, mortgage, and credit card
Operational Control Leadership Can Trust
Intelligent Banking Solutions helps bank and credit union leadership teams gain consistent, auditable control over servicing, collections, and recovery operations. SAFIRE-IQ replaces spreadsheets, manual tracking, and fragmented tools with a single system of record that leadership can trust.
Executive Visibility
Leadership gains real-time insight into servicing performance, portfolio trends, and risk exposure without relying on manual reports.
Risk & Compliance Control
Leadership gains audit-ready documentation without adding staff or depending on informal processes.
Operational Efficiency
Automation reduces staff workload while accelerating time-to-resolution. Institutions typically see 30–40% productivity gains within the first 90 days of implementation.
Customer & Member Experience
Faster follow-up, fewer handoffs, and clearer communication reduce frustration while improving resolution outcomes.
One System of Record for Collections, Recovery, and Special Assets
Delinquency levels declined materially across all portfolios — PL from 2.44% to 1.63%, CL from 2.0% to 1.66%, and RL from 4.2% to 2.66% — representing a 20% reduction in delinquency in dollar terms. Recovery as a percentage of charge-offs increased from 11.3% to 20.0%.
Steve H.
Portfolio performance improved materially, with hard-dollar delinquency reduced by 50% and delinquency as a percentage of outstanding declining from 7% to 4%. Charge-offs decreased from 4% of outstandings to 2%.
Mickey W.
SVP Indirect Lending
Delinquency as a percentage of outstanding declined from 8% to 6%, while charge-offs were cut by 50% and OREO levels lowered by 58%.
Scott C.
You can draw a line in the sand from the day we installed IBS software. We’ve experienced a 25% drop in delinquencies. We’d need 10 more collectors to make this call volume. Executive Manager is thrilled.
Milton W.
SVP Indirect Lending
What SAFIRE-IQ Handles
SAFIRE-IQ manages the full delinquency lifecycle in one system: early-stage collections, payment plans and promises to pay, hardship and deferral, skip tracing, legal referral, bankruptcy, foreclosure, repossession, REO and OREO, charge-off, and post charge-off recovery.
It works across any loan or line of credit the institution extends, including credit cards.
Collectors reach borrowers and members through automated text, automated email, letters, and outbound calling. Borrowers and members can make payments on their own, day or night, without speaking to a collector.
Works With Your Core
SAFIRE-IQ works alongside any core banking system rather than replacing it, with real-time integration to Fiserv, Jack Henry, and COCC.
Built for Modern Banking Priorities
Every financial institution is under pressure to modernize operations, control risk, and improve the borrower experience without increasing overhead or disrupting core systems. SAFIRE-IQ was built specifically to support those priorities. It is adopted not only by institutions responding to elevated risk, but by those proactively strengthening executive oversight, operational scalability, and governance before problems surface.
Executive Leadership Priorities = SAFIRE-IQ Solutions
Leadership challenges today, resolved with SAFIRE-IQ
The challengeLimited ability to ensure delinquency is managed consistently.
Resolved with SAFIRE-IQ™Institution-wide visibility and control over delinquency management.
The challengeDifficulty explaining process and decisions during exams or board reviews.
Resolved with SAFIRE-IQ™Defensible, audit-ready documentation available at any time.
The challengeLack of real-time visibility into follow-up timing and outcomes.
Resolved with SAFIRE-IQ™Clear insight into timelines, outcomes, and emerging risk.
The challengeGrowing accountability without additional staff or resources.
Resolved with SAFIRE-IQ™Greater confidence and oversight without adding headcount.
See How SAFIRE-IQ Supports Your Executive Priorities
Schedule a 20-minute executive overview to understand how SAFIRE-IQ aligns with your institution’s strategic priorities and executive oversight goals.
In this brief conversation, we’ll show you:
- Where portfolio risk forms before leadership sees it
- Why traditional reporting creates executive blind spots
- How institutions shift from reactive to proactive oversight
- What earlier visibility changes for executives
