MARS : Multi-Agent Recovery System
The overdue account is easy to find. Deciding what happens next is the hard part.
Reads the account
History, risk, obligation and intent, before a single message goes out.
Decides the next action
For that borrower, not a blanket campaign run across the book.
Acts across channels
Voice, email, message and payment, in sequence, without waiting on a queue.
Escalates with context
High-judgement moments reach your team with everything they need to act.
The Problem
Collections isn't short on intelligence. It's drowning in manual execution.
You already know who is overdue. The hard part is what to do next, across millions of accounts, as behaviour shifts daily.
Meet MARS
It doesn't automate tasks. It runs the entire recovery workflow.
MARS evaluates every account, takes the next best action inside your policies, and brings in a person only when judgement changes the outcome.
The Decision Engine
Context first.
Action second.
Before MARS sends anything, it reads the whole account, then commits to one next move it can justify.
Continuous evaluation
One justified next action
Powered by VENUS
Voice negotiation that stays inside the rules.
VENUS is Fiscor's compliant voice agent, shared across MARS and ORCA. It calls, listens, understands intent and settles, never stepping outside the policy you set.
Telephony outreach and negotiation
Consent, compliance and escalation
Auditable by design
Every account, its own path
One recovery goal. Many unique paths.
A reminder settles one account. Another needs a plan, a pause, or a person. MARS lets them diverge and reacts the moment anything changes.
Built for regulated collections
Governance at the core, not bolted on after.
Every action MARS takes is checked against your rules before it happens and logged after, so autonomy never outruns oversight.
Policy enforcement
Communication controls
Approval workflows
Audit trails
Role-based permissions
Human escalation
Outcomes over activity
Calls and messages are inputs. MARS is built around the outputs.
Recovery teams are measured on results, not effort. MARS optimises for the outcomes that move the portfolio.
x
Uplift in overdue resolution on MARS contacted accounts.
%
Recovery outreach handled without a person queuing it.
%
Reduction in manual execution across workflow.
%
Recovery and dispute tasks fully automated end to end.
The Platform Thesis
Our competitors built companies around one workflow. We built the layer underneath two.
The future of collections won't belong to the largest recovery teams.
It will belong to the organisations that combine autonomous execution with human expertise. That is what MARS was built for.
