Develop an innovative concept of credit recovery, based on processes, technological tools and analytics; to obtain more efficiency and productivity.



Intervalor developed SmartCollection, concept comprised of initiatives that directly impact the main pillars of the collection:

- Consumers: quality in customer service;
- Employee: motivation;
- Knowledge: dissemination of information;
- Facility: available 24/7;
- Strategy: modeling and analytics;
- Technology: automation and assertiveness;


Credit recovery operation – Higher Education: Achievement of more than 100% of the goal proposed by the client; both in productivity and value retrieved.