SAFIRE-IQ is collections and recovery software used by banks and credit unions to manage delinquent accounts, coordinate recovery activity, and maintain a documented record of every action taken on an account.
It handles 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 covers any loan or line of credit the institution extends, including credit cards.
SAFIRE-IQ works alongside any core banking system rather than replacing it, with real-time integration to Fiserv, Jack Henry, and COCC. Intelligent Banking Solutions has built collections software for banks and credit unions since 1989 and supports thousands of collectors across the US.
The name SAFIRE-IQ stands for Streamlined Automation for Financial Institutions’ Recovery Ecosystems.
Built on IBS’s automated debt collection software platform, SAFIRE-IQ gives banks and credit unions the automation and visibility needed to manage collections from early delinquency through recovery.
SAFIRE-IQ transforms how financial institutions manage debt recovery, making it faster, more efficient, and compliant with regulations. Supporting thousands of collectors across the US, our commitment lies in the continuous development and support of our premier debt collection software.
SAFIRE-IQ uniquely extends executive visibility and governance beyond charge-off through integrated asset recovery management — ensuring losses are tracked, controlled, and recovered with the same discipline as active servicing
SAFIRE-IQ assigns accounts to collectors based on rules the institution sets, so each collector opens the system to a prioritized work queue rather than a delinquency list. Accounts surface based on delinquency status, risk indicators, and institutional priority. Follow-up dates, prior conversations, commitments, and payment arrangements travel with the account, so a collector picking up someone else’s file has the full history in front of them.
Managers can see workloads, follow-up activity, and account status across the department without asking for a report.
SAFIRE-IQ automates outreach through text, email, letters, and outbound calling, following the sequence and timing the institution’s policy defines. Every contact attempt is logged against the account.
Borrowers and members can make payments on their own, day or night, without speaking to a collector. Payments, promises, and arrangements post back to the account record automatically.
SAFIRE-IQ surfaces deterioration in the portfolio while there are still options. It tracks delinquency and payment behavior, risk rating migration, repeat delinquency patterns, concentrations of trouble by segment or region, and deterioration trends over time.
That gives credit and collections leadership a view of which credits are moving in the wrong direction, early enough to work ahead of them rather than react after charge-off.
Carmen is the AI layer inside SAFIRE-IQ. She reduces repetitive, administrative work inside the collections workflow so collectors and managers can focus on judgment calls, and final decisions stay with the institution. Capabilities in active development include summarizing account history, drafting documentation, and surfacing what a collector needs to know before a call. Customer data is not used to train shared or external models.
Modern servicing intelligence with enterprise-grade oversight
Identify emerging delinquency and exposure trends before they appear in summary reports. SAFIRE-IQ surfaces early-stage risk across portfolios, segments, and geographies to support timely executive action.
Engage borrowers proactively through automated, multi-channel communications that work accounts continuously and consistently — reducing manual effort while improving contact and resolution rates.
Automate routine servicing activity to ensure accounts are worked consistently and in accordance with policy, allowing staff to focus on higher-value interventions.
Prioritize accounts based on behavior, risk signals, and performance indicators — enabling smarter allocation of resources and earlier intervention where it matters most.
Extend servicing capacity through integrated call center workflows that support efficient outreach, escalation, and resolution — without disrupting existing operations.
Consolidate servicing activity and performance data into a single, executive-ready view that translates day-to-day operations into clear portfolio insight.
Maintain consistent policy execution across teams and channels with built-in controls that support audit readiness, examiner expectations, and board reporting.
Scale servicing operations without proportionally increasing headcount by leveraging automation, prioritization, and consistent execution across the portfolio.
SAFIRE-IQ works with any core banking system, with real-time integration to Fiserv, Jack Henry, and COCC. Institutions on other cores run SAFIRE-IQ without replacing or modifying the core.
