debt-recovery
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Ashish Masih and the arithmetic of a second chance
An engineer by training, Encore Capital Group’s CEO has spent years connecting portfolio decisions to the people who must live with them. His career follows the difficult work between a financial model and a repayment conversation.
Encore Capital Group buys debt. The real bet is on people.
A bank sees an account to write off. Encore sees years of possible repayments. Inside the business where the price of patience has to be calculated.
Remitter
Remitter is an AI-powered, white-label digital collections and communications platform that helps lenders, healthcare providers, utilities, governments and other creditors recover accounts receivable by replacing phone-heavy collections with personalized, multi-channel digital outreach and self-serve payment portals. Built on technology first proven in Australia, the U.S. arm (Remitter USA) says its clients have recovered over $1 billion using automated, compliance-aware treatment strategies that route the right message through the right channel at the right time.
January
January is a New York fintech that uses AI to modernize one of finance's least-loved corners: debt collection. Its platform helps lenders, banks, credit unions and debt buyers recover past-due and charged-off consumer debt while giving borrowers transparent, lower-pressure ways to repay - tailored payment plans, self-service tools and built-in regulatory guardrails. Founded in 2016 (originally as Debtsy), the company says its software has serviced more than $10B in debt and handles more accounts than all but the largest banks, pairing data-driven recoveries with consumer satisfaction scores it claims beat traditional agencies.