At NRB, we understand that debt recovery in South Africa is about more than just collecting outstanding payments. It’s about restoring financial stability, ensuring business continuity, and fostering economic growth. Most importantly, it’s about setting consumers on a path toward wealth creation and financial independence.
Tel: 011 494 6300
Leveraging our depth of experience and the latest technology, we help businesses across industries optimise their debt recovery processes while maintaining positive customer relationships.
We go beyond traditional debt collection with an integrity-led, purpose-driven model.
We embed ESG principles into our business to support long-term success for clients and communities.
In this way we remain committed to building for tomorrow, starting – with you – today.
South Africa’s debt levels have reached a critical juncture.
Rising interest rates, inflationary pressures and economic uncertainty have significantly increased the cost of borrowing. As a result, consumers are allocating a growing portion of their disposable income to service debt, while businesses across multiple sectors are struggling with escalating default rates and extended credit cycles.
In this evolving landscape, your business needs a partner that understands the complexities of debt recovery, regulatory compliance and financial rehabilitation. NRB Risk Solutions is that partner.
Our approach ensures that debt collection is not just a recovery function but an opportunity to enhance financial stability, preserve customer relationships and promote responsible credit management.
We offer a range of strategic and comprehensive solutions
Early-stage collections: proactive engagement to prevent default. Mid- and late-stage collections: recovery of delinquent accounts. Legal recovery: working with legal experts on high-value or persistent debts.
Our outbound and inbound customer support is provided by professional call centre services. AI-powered analytics refine risk segmentation and we’re able to communicate across multiple channels.
We maintain accurate account records and focus on proactive customer engagement. We work to educate customers about finance and wealth management to improve customer retention beyond the debt collection process. Our data-driven insights improve customer interactions and reduce default risk.
Small balance collections. Pre-book sale strategies. Prescription interruption. Specialised and high-value collections. Home loans and asset-based finance recovery.
We recognise that each business and debtor profile is unique. Our customised solutions leverage real-time analytics, AI-driven engagement tools and highly skilled professionals to create a seamless, compliant, and ethical recovery process.
We uphold the highest data security and regulatory standards, ensuring full compliance with POPIA, the NCA and industry-specific guidelines. This guarantees that client and debtor information is protected, confidential, and securely managed.
We believe in the long-term value of debtor rehabilitation. This is why our approach focuses on: Structured repayment plans that promote financial sustainability. Tailored solutions to prevent repeat defaults and encourage responsible credit management. Partnerships with businesses to implement ethical collection practices.
At NRB, we believe that debt recovery is more than a transactional process – it’s a strategic function that supports financial sustainability, protects customer relationships and fosters long-term economic inclusion.
We treat debtors with fairness and dignity, aligning with POPIA, NCA and industry best practices.
Leveraging analytics, machine learning and AI, we optimise collection strategies and ensure targeted engagement.
Our omnichannel communication approach ensures engagement across SMS, email, WhatsApp, calls and self-service portals.
Our operations support the Sustainable Development Goals with a focus on reducing poverty, promoting economic growth and advancing responsible financial practices.
We uphold the highest standards of data integrity, security and regulatory alignment.
We operate using a powerful core system built from a robust banking platform, fully integrated with our clients’ systems.
Our in-house development capacity enables regular enhancements, predictive analytics and real-time reporting to enrich client data and assess recovery feasibility.
Our systems are POPIA-compliant, secure and accessible. We offer you internet-based views of your account status.
NRB also ensures data security through secure FTP, locked USB ports, encrypted communication (SSL) and rigorous internal access controls.
We’re the proud winners of a number of industry awards including:
Unsecured Recoveries – Personal Loans EDC (2023–2024)
Unsecured Recoveries – LTS EDC (2023–2024)
We partner with businesses across multiple industries, including:
All of these clients enjoy an experience characterised by:
We would love to speak with you.
Feel free to reach out using the below details.
Building financial stability through strategic debt recovery
