From credit risk to recovery, mastered end to end.
JURIS classifies your receivables, calculates your regulatory provisions and drives every recovery file — from amicable to judicial litigation — without a single file stalling. One platform, two disciplines, zero blind spots.
Non-performing loans, CDL, litigation: the risk that erodes portfolios
Every overdue receivable left unaddressed costs more than its face value. Interest accrues, collateral depreciates, prescription deadlines expire — and unprovisioned amounts weaken your solvency ratio. Financial institutions face three simultaneous pressures:
Regulation imposes precise deadlines and classifications.
CDL, provisions, accounting downgrades: every local regulator demands documented, reproducible monitoring. A discrepancy at audit time costs far more than a single overdue payment.
Recovery remains largely manual, poorly traced, and slow.
Reminders are sent based on agent availability. Formal notices get lost in inboxes. Files handed to lawyers disappear from the radar for weeks. The result: ageing receivables, recovery rates below potential, and near-zero visibility into who is doing what.
Files that don't move don't get resolved.
Without a formal rule to force a file forward, stagnation becomes the norm. A file with no planned next step is a file waiting — and an unpaid debt growing.
JURIS addresses all three realities with a single integrated platform.
Classification & provisions. Recovery & litigation. One single platform.
Many institutions manage these two activities with separate tools — or shared Excel files. JURIS brings them together on a common platform, with shared data, a single client repository and a centralised audit trail.
Receivables classification & provisioning
Your receivables classified according to the regulator's criteria. Your provisions calculated automatically. Your accounting interfaces generated without re-keying.
Recovery & litigation management — fully digitalised
The entire recovery cycle — amicable, pre-litigation, litigation — driven by configurable workflows that push every file forward. No case goes dormant.
Classification of doubtful debts and provision calculation: automatic, compliant, auditable.
JURIS reads data from your information system — age of arrears, debit history, client commitments, received collateral — and produces a precise classification of each receivable according to local regulatory criteria.
What JURIS generates:
A validation file that management reviews, compares to expected results and can adjust manually. Every adjustment is justified and traced — you retain oversight without losing traceability.
Complete accounting interfaces: downgrading of accounting chapters, creation of provision accounts, change of client risk class, provisioning entries. Everything is generated directly from JURIS, without re-keying in your accounting system.
Provisioning closes no longer consume entire days. The calculation is reproducible from one close to the next. And in the event of a regulatory review, the audit trail is complete.
Compliant with local regulatory requirements (Morocco, sub-Saharan Africa and the Middle East).
Recovery digitalised end to end. Every file progresses — or triggers an alert.
JURIS does more than manage a list of debtors. It digitalises the entire recovery and litigation business: processes, stakeholders, documents, deadlines and transitions between stages.
In practice, this means that at any moment, any stakeholder — recovery agent, legal counsel, credit manager, management — knows exactly where each file stands, what action is expected, and how long it has been pending.
The three phases, covered without interruption:
Structured reminders
Structured reminders to recover receivables outside judicial proceedings. Dispatches planned, tracked, documented. The agent knows when to follow up, how, and what the previous contact produced.
Formal documented exchanges
Formal exchanges, formal notices, documented ultimatums. Every letter goes out from JURIS, is timestamped, and is attached to the file. The move to litigation does not happen by intuition — it follows configured rules.
Centralised judicial tracking
Judicial proceedings, hearing tracking, lawyer coordination. Documents are centralised. Court deadlines are visible. No more files "sleeping" at a law firm with no visibility.
Before JURIS, a file could stall for weeks without anyone noticing. With JURIS, that is structurally impossible — the workflow detects it and the alert surfaces.
A workflow that drives action. Not a register that records inaction.
The recovery cycle in JURIS is a sequence of steps with rules, deadlines and transitions — not a checklist to tick when you get around to it.
- First reminder sent
- Second reminder sent
- Phone call
- Payment promise received → document attached to file
- Formal notice issued
- Registered letter
- Formal documented exchanges
- Court referral
- Hearing tracking
- Lawyer coordination
- Enforcement of court ruling
What JURIS brings to each transition:
Configurable transition rules
You define the conditions that move a file from one phase to the next. The rule applies automatically — the human validates, but the system forces the decision.
Deadlines between steps
Each step has a maximum deadline. If that deadline passes without action, JURIS alerts.
Automatic alerts
On-screen and/or email, to the right stakeholders, at the right moment. Nobody can claim they were not informed.
Centralised supporting documents
Every document — client correspondence, payment promise, judicial act — is attached to the file, at the corresponding step, with a timestamp.
The momentum is in the system. Not in the individual motivation of agents.
Who does what, when, on which file. Unambiguously.
A recovery system without traceability is an operational risk. In the event of a dispute, internal review or external audit, you must be able to answer: who made this decision, on what basis, and on what date.
JURIS makes that answer immediate.
Granular access rights
Define precisely who can view, modify and validate — by user or working group. A recovery agent does not have the same rights as a legal counsel, nor a credit manager. Rights apply to the file, the step, and the action.
Timestamped audit trail
Every action in JURIS is recorded: document creation, stage transition, status change, validation. The full history is accessible to authorised teams. No action is reversible without a trace.
Alerts and deadlines
When a deadline between two stages is exceeded, JURIS automatically alerts the relevant stakeholders — on-screen and by email. This is not a manual follow-up: it is a system rule that executes without intervention.
Document centralisation
Client correspondence, formal notices, judicial documents, payment promises: everything is attached to the file, at the stage, with the date and user. No more documents lost in email inboxes or shared folders.
A JURIS file is at all times complete, documented and auditable.
Monitor the portfolio. Anticipate overdue payments. Evaluate every actor.
Recovery data only has value if it is readable — and actionable. JURIS aggregates all active files in dashboards that provide an immediate overview:
Portfolio view
Total outstanding, breakdown by phase (amicable / pre-litigation / litigation), files on alert, files awaiting action. The credit manager sees at a glance where risks are concentrated.
Overdue payment anticipation
JURIS cross-references classification data and behavioural history to flag receivables at risk of downgrading. Acting before downgrading costs less than acting after.
Performance analysis by actor
Each recovery agent, each law firm has a performance profile in JURIS: recovery rate, processing times, variance between forecasts and results. This is not a surveillance tool — it is a management tool.
Progress tracking
The progress of each file is visible in real time. Milestones reached, upcoming steps, remaining deadlines: everything is displayed without having to query an agent or dig through a file.
JURIS integrates with your corebanking. Not the other way around.
Adopting a recovery solution should not force an IT overhaul. JURIS is designed to interface with existing systems at financial institutions, without disruption.
Compatible corebanking systems (technically validated integrations):
| Vendor | System |
|---|---|
| Path Solutions / ICS | Capital Banker |
| Sopra Banking | Amplitude |
| Craft Silicon | CBS IMF |
| Temenos | Transact (T24) |
Open and configurable architecture
JURIS also interfaces with market ERPs. Its flexible architecture allows inbound and outbound data flows to be configured to your technical environment. Workflows, transition rules and document templates are all configurable without bespoke development.
The result: faster go-live, smoother adoption, and an IT landscape that stays coherent.
What JURIS concretely changes for your institution
Operational efficiency
Recovery teams spend less time coordinating and more time recovering. Workflows handle planning, follow-ups and stakeholder coordination. Every actor knows exactly what to do and when.
Reduced financial risk
A file that progresses is a file more likely to be recovered. Accurate and timely provisioning protects your prudential ratios. JURIS reduces both types of risk: loss on receivables and regulatory risk.
Compliance by design
Receivables classification, provision calculation and accounting interface generation are built around local regulatory requirements. Compliance is not an add-on module: it is at the core of the product.
Financial sustainability
A well-managed receivables portfolio — with optimised recovery rates and controlled provisions — contributes directly to the institution's financial solidity. JURIS is a capital preservation tool, not just a management tool.
Take back control of your credit risk.
Your receivables classified. Your provisions calculated. Your recovery files moving forward — without you having to push them manually. JURIS gives your teams the tools to act fast, and your management the data to decide right.