INTRODUCING NRB SOLUTIONS

Building financial stability through strategic debt recovery

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.

Purpose-Driven Approach

We go beyond traditional debt collection with an integrity-led, purpose-driven model.

Sustainable & Responsible Operations

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.

DEBT RECOVERY SOUTH AFRICA

Experts in navigating our local debt landscape

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.

What we know…
  • South Africa’s household debt-to-income ratio remains exceptionally high, leading to increased default rates

 

  • Corporate and SME defaults are rising as economic pressures mount, making efficient debt recovery essential

 

  • Financial institutions and service providers are re-evaluating their collection strategies, seeking solutions that balance recovery efficiency with ethical debtor engagement

 

  • Regulatory frameworks such as the National Credit Act (NCA) and the Protection of Personal Information Act (POPIA) are becoming increasingly stringent, demanding compliance-driven and fair debt collection practices.

What this means for you…

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.

OUR SERVICES

Our Range of Services

We offer a range of strategic and comprehensive solutions

Debt recovery and collections

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.

Omnichannel engagement solutions

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.

Customer Relationship Management (CRM)

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.

Tailor-Made Recovery Solutions

Small balance collections. Pre-book sale strategies. Prescription interruption. Specialised and high-value collections. Home loans and asset-based finance recovery.

OUR SOLUTIONS

Our Industry-Tailored Solutions

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.

Compliance, Security and Transparency

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.

Our Debtor Rehabilitation Model

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.

OUR APPROACH

Our Purpose-driven Approach

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.

Ethical and sustainable debt recovery

We treat debtors with fairness and dignity, aligning with POPIA, NCA and industry best practices.

Data-driven strategy

Leveraging analytics, machine learning and AI, we optimise collection strategies and ensure targeted engagement.

Customer-centricity

Our omnichannel communication approach ensures engagement across SMS, email, WhatsApp, calls and self-service portals.

ESG and SDG alignment

Our operations support the Sustainable Development Goals with a focus on reducing poverty, promoting economic growth and advancing responsible financial practices.

Transparency and compliance

We uphold the highest standards of data integrity, security and regulatory alignment.

HOW IT WORKS

Our Technology

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.

Our Partners and Payments

We’re the proud winners of a number of industry awards including:

1st Place Winner (Nedbank)

Unsecured Recoveries – Personal Loans EDC (2023–2024)

1st Place Winner (Nedbank)

Unsecured Recoveries – LTS EDC (2023–2024)

Our Clients

We partner with businesses across multiple industries, including:

  • Financial institutions and banks
  • Retail and credit providers
  • Telecommunications and service industries
  • Healthcare and medical service providers
  • Property and rental agencies
  • Insurance and automotive companies

All of these clients enjoy an experience characterised by:

  • Personalised partnerships: We offer a bespoke, high-touch approach – not a “one-size-fits-all” model.
  • Real-time insight: We provide data-rich reports that empower client decision-making.
  • Compliance-first culture: We build systems and processes to match evolving regulatory expectations.

 

Get In Touch

We would love to speak with you.
Feel free to reach out using the below details.