What Arum does

Arum is an independent professional services firm operating across the credit management lifecycle, founded in 1998 and headquartered in London with offices in Atlanta and Sydney. The firm sells four service lines — Advise (benchmarking, system selection, regulatory compliance, training), Transform (system implementation, upgrades, interim resourcing), Perform (analytics, debt sale, data strategy), and Manage (technology managed service and legacy system support) — and complements these with the Arum Approved accreditation programme for systems and servicers and the Arum Marketplace procurement platform. Its client base is concentrated in regulated, large-scale enterprises: Tier-1 retail and commercial banks (HSBC, NatWest, RBS, Lloyds, ING, Tesco Bank, TSB, Yorkshire Bank, Bank of Ireland UK, Raiffeisen, Westpac, BNZ), energy companies (British Gas, E.ON), government (UK DWP), third-party debt collection agencies (CBE Group, Phillips & Cohen), and credit issuers such as Synchrony; Capgemini is both client and partner.

Arum monetizes primarily through project-based and ongoing professional services engagements sold via direct enterprise sales, with no publicly disclosed pricing. The firm combines consulting depth in collections and recoveries with advanced analytics and predictive modelling to optimize treatment strategies, identify vulnerable customers, and improve debt resolution outcomes — a quantified example being £56m of collectible debt identified for an energy client. Its content, marketing, and distribution channels — a website blog, the Arum AI Insights podcast, newsletter, LinkedIn presence, industry events, and published case studies — act as top-of-funnel demand generation feeding direct outreach via "Talk to us" / "Request a Callback" CTAs. Strategic moats rest on a specialist talent bench and an independent accreditation role (Arum Approved) rather than proprietary software; the firm certifies against ISO 27001, B Corp, Cyber Essentials, RMAI, FSQS, and is a UK G-Cloud and Crown Commercial Service supplier.

Name

Arum

Legal name

Arum

Website

https://arum.co.uk

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

11–50 employees

Short description

Arum is an independent UK-founded consultancy serving banks, energy firms, government, and debt agencies with collections and recoveries advisory, implementation, analytics, and managed services across EMEA, North America, and APAC.

Ownership category

akta.pro rank

Product category

Collections and Recoveries Consulting

NAICS

Activities Related to Credit Intermediation (5223), Collection Agencies (56144)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Collections, Arrears Management & Debt Enforcement (BPAIADAD)

akta.pro secondary industries

Accounts Receivable (Invoicing, Cash Application, Deductions) (BPAAAGAB), Enterprise Risk Management (ERM) Advisory (BPAHAFAA)

Keywords

• Collections consulting
• Credit management services
• Debt recovery advisory
• Collections technology transformation
• Regulatory compliance consulting

Headquarters

HQ city

Edinburgh

HQ country

United Kingdom

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Consulting and Advisory Services: Professional consulting services including benchmarking, best practice advisory, system selection and procurement, regulatory compliance consulting, and training courses.
2. System Implementation and Transformation Services: Transform services including system implementation readiness, system implementation, system upgrades, and interim resourcing for technology and operations changes.
3. Managed Services: Managed services including technology managed service and legacy system support for ongoing operations.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels6 records

Core offering

Arum provides independent professional services across the full credit management lifecycle for financial institutions, utilities, and government bodies. Its offering is organised into four categories: Advise (consulting, benchmarking, system selection and procurement, regulatory compliance, training), Transform (implementation, upgrades, interim resourcing), Perform (analytics, debt sale, data strategy), and Manage (technology managed service and legacy support). It also runs the Arum Approved accreditation programme for collections/recoveries systems and servicers.

Product overview

Arum is a collections and recoveries technology, strategy and performance transformation company offering professional services organized into four main categories: Advise (consulting and advisory), Transform (implementation services), Perform (analytics and data services), and Manage (managed services). The company also operates the Arum Approved accreditation programs for systems and servicers. Together, these services help clients navigate system selection, implementation, optimization, and ongoing management of collections and recoveries operations.

Differentiator

Problem solved

Functional benefit

Brands

• Arum AI Insights: Podcast series on collections and recoveries topics
• Arum Approved
• Arum Marketplace

Products and services

• Advise

Quantifiable outcome

• £56m in collectible debt identified through scoring for energy provider
• +2 more outcomes

Named customers19 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• CapgeminicoreStrategic or Co-development PartnerCapgemini is listed among Arum's clients and partners, representing a major global consulting firm in the financial services sector. The relationship appears to involve collections and recoveries consulting and transformation services, combining Arum's specialized debt collection expertise with Capgemini's broader financial services consulting capabilities.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• FICO: Global analytics and decisioning software vendor with a flagship collections platform (FICO Debt Manager). Comparable as an incumbent whose platform sits among the 40+ systems Arum helps clients select, and which competes with advisory-led approaches through productised AI offerings.
• CGI Group: Global IT and business consulting firm with deep UK financial services practice including collections and recoveries systems delivery. Comparable as a larger incumbent competing for the same bank-transformation RFPs Arum bids into.
• PwC: Big 4 firm with a global FS advisory practice covering risk, regulatory and operations transformation including collections. Comparable as a broad incumbent advising the same bank clients on collections strategy and programme delivery.
• Capgemini: Global consulting/SI with extensive financial services transformation capability and a UK Financial Services practice. Comparable as a large incumbent both partnering with Arum (listed as a client/partner) and competing for collections transformation engagements.
• Accenture: Largest global FS consulting and systems integrator, routinely delivering large-scale collections and recoveries transformations for Tier 1 banks. Comparable as the dominant incumbent competing for Arum's large-bank mandates.

Regional players

• Sopra Banking Software: European banking software vendor with collections/recoveries and lending modules used by UK and continental banks. Comparable as a regional platform incumbent whose products compete for the same procurement budgets Arum's system-selection work influences.

Direct peers

• Marston Holdings: UK enforcement, recoveries and integrated services group covering collections, legal recovery and field services. Comparable as a UK-headquartered collections and recoveries specialist with a multi-service lifecycle offering.
• Lowell: European credit management services group combining debt purchase and third-party servicing across the UK, Nordics and DACH. Comparable to Arum as a full-lifecycle collections/recoveries operator, though more asset-heavy on the debt-purchase side.
• TDX Group: UK-based specialist in debt management, collections analytics and portfolio services to banks and lenders. Highly comparable as a niche, collections-focused firm serving the same Tier 1 UK/EU client base that Arum advises.

Emerging players

• Pra Group: US/Europe-headquartered debt purchaser and servicer with growing third-party servicing and analytics capabilities. Comparable as a peer in the broader collections/recoveries ecosystem, particularly for cross-sell of Arum-style advisory into Pra's servicing relationships.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/arum

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Arum