Credit Risk. Recovery. Stability.
Delivered with Discipline , Data , and Integrity .
Integrated credit management and recovery firm supporting financial institutions and corporates to manage credit risk, unlock liquidity, and restore balance-sheet stability.
Trusted By
What Sets Us Apart
We deliver recovery outcomes that are commercially effective, regulator-aligned, and reputationally safe.
Stabilize Cash Flows
Improve liquidity and reduce NPL ratios through systematic recovery
Technology-Enabled
Modern tech stack with real-time dashboards and performance tracking
Regulator-Aligned
Strong governance framework built for compliance confidence
Africa-Focused
Deep local market understanding with global best practices
End-to-End Credit Management
Comprehensive solutions across the credit lifecycle — from early-stage arrears to complex non-performing portfolios
Credit & Debt Recovery
Full-cycle management of diverse portfolios across retail, SME, corporate, SACCO, digital lending, and commercial receivables
- Risk-based segmentation
- Skilled negotiators, not scripts
- Real-time performance analytics
- Multi-channel engagement
Legal & Asset Recovery
Structured legal and enforcement solutions through vetted partners for complex or resistant cases
- Pre-legal structured settlements
- Asset tracing & skip tracing
- Litigation support
- Evidence-based escalation
Debt Purchase & Advisory
Strategic support for institutions seeking to exit, restructure, or optimize distressed portfolios
- NPL portfolio valuation
- Purchased debt management
- Workout strategies
- Balance-sheet advisory
Credit Outsourcing & BPO
Scalable credit outsourcing solutions reducing fixed costs while improving recovery outcomes
- Dedicated recovery teams
- Hybrid contractor models
- Performance-linked programs
- Back-office analytics support
How We Work
Recovery is not brute force.
It is strategy, psychology, data, and discipline.
Digital Engagement
SMS, email, system triggers
Skilled Tele-collections
Professional negotiators
Field Interventions
Strategic physical engagement
Legal Escalation
Evidence-based last resort
Every action is documented, auditable, performance-tracked, and fully compliant
Technology & Governance
Technology & Data
Technology-Enabled. Human-Led.
Secure portfolio uploads and lifecycle tracking
Automated workflows and communication triggers
Promise-to-pay and negotiation management
Real-time dashboards and client reporting
Integration with client systems and CRBs
Technology enhances judgment — it does not replace it.
Governance & Compliance
Built for Regulator Confidence
Optivus operates under a robust governance and risk framework, aligned with Kenyan regulatory expectations, data protection standards, and international best practice.
Maximum Recovery.
Zero Reputational Exposure.
Transform Your
Recovery Outcomes
Partner with Optivus for compliant, data-driven, and reputationally safe credit management solutions.
Transparency
Accountability
Commercial Realism
Measurable Results
Prefer to speak directly?
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