Soluciones Integrales en Crédito y Cobranza

What Soluciones Integrales en Crédito y Cobranza does

Soluciones Integrales en Crédito y Cobranza (SIC&C S.A.S.) is a Colombian business process outsourcing (BPO) firm specializing in debt collection and recovery services across all stages of the credit risk cycle. Founded in 2011 in Bucaramanga, Santander, by two professionals with more than 17 years of prior experience in credit management for financial institutions and cooperatives, the company operates as a privately held Sociedad por Acciones Simplificada (S.A.S.) with no external institutional investors or parent company. Its target customers are financial institutions, cooperatives, and credit originators (real and service sector companies) in eastern Colombia, with operational offices in Bucaramanga (headquarters) and Cúcuta (regional office, Norte de Santander).

SIC&C offers a five-line service portfolio covering the entire credit risk cycle: Cobranza Preventiva (pre-due-date risk identification using payment-behavior models), Cobranza Administrativa (early-stage delinquent portfolio management via call center), Cobranza Pre-jurídica (pre-legal collection through visits, call center, and telematics), Cobranza Jurídica (judicial and extrajudicial legal representation), and Cobro de Cartera Castigada (written-off portfolio recovery through location, negotiation, and follow-up). The underlying technology stack integrates call center infrastructure, geolocation, data analysis, mailing and SMS platforms, specialized collection software, legal process-control platforms, and an artificial-intelligence layer branded "Inteligencia Profesional" that combines AI with negotiator training. Proprietary processes include a Patrimonial Research workflow for debtor asset investigation and automated collection workflows to reduce manual error.

The firm operates a managed-service BPO revenue model, charging fees per client based on portfolio size, collection stage, and client-specific KPIs under multi-year contracts; pricing is not publicly disclosed. Go-to-market is direct enterprise sales via sales calls, WhatsApp, phone, and in-person consultations, supplemented by content marketing through a blog, LinkedIn presence, email, and event sponsorship — most notably the June 2025 B2B Financial & Innovation Day organized by Revista Ciclo de Riesgo. Geographic scope is concentrated in eastern Colombia, with the company positioning itself as a compliance-ready data processor under Colombian Law 1581 of 2012.

Name

Soluciones Integrales en Crédito y Cobranza

Legal name

SOLUCIONES INTEGRALES EN CRÉDITO Y COBRANZA SIC&C S.A.S

Website

https://sicc.com.co

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

11–50 employees

Short description

SIC&C S.A.S. is a Colombian BPO firm specializing in debt collection and recovery across the full credit risk cycle, serving financial institutions, cooperatives, and credit originators in eastern Colombia from offices in Bucaramanga and Cúcuta.

Ownership category

akta.pro rank

Product category

Debt Collection Services

NAICS

Finance and Insurance (52)

akta.pro industry

PRIMARYFSAKAJAN

Utilities/Telecom & Other Non-Financial Receivables Collections

Financial & Insurance/Lending & Consumer Finance/Debt Collection, Recovery & Servicing

Keywords

• Debt collection services
• Accounts receivable management
• Delinquent portfolio recovery
• Judicial debt collection
• Credit risk management

Headquarters

HQ city

Bucaramanga

HQ country

Colombia

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Debt Collection and Recovery Services (BPO): Business process outsourcing services for debt collection and recovery across multiple stages of the credit risk cycle, serving financial institutions, cooperatives, and credit originators. Revenue generated through service fees for managing and recovering delinquent portfolios.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

SIC&C is a Colombian BPO firm that manages and recovers delinquent loan portfolios on behalf of financial institutions, cooperatives, and real-sector credit originators. It delivers end-to-end debt collection services across the credit risk cycle — preventive, administrative, pre-legal, judicial, and written-off portfolio recovery — combining a call center, legal representation, and proprietary technology with AI and payment-behavior analytics.

Product overview

Soluciones Integrales en Crédito y Cobranza (SIC&C) is a BPO company specializing in debt collection and recovery services for financial institutions, cooperatives, and real sector companies across Colombia. The company offers a comprehensive suite of collection services spanning the entire credit risk cycle: Cobranza Administrativa (administrative collection via call center for early-stage delinquent portfolios), Cobranza Preventiva (proactive risk identification and prevention before payment due dates), Cobranza Pre-jurídica (pre-legal collection through visits, call center, and telematics), Cobranza Jurídica (judicial and extrajudicial legal representation), and Cobro de Cartera Castigada (recovery of written-off portfolios through location, negotiation, and follow-up). The company leverages proprietary technological tools including call center technology, geolocation, data analysis, mailing, SMS, process control platforms, and specialized collection software.

Differentiator

Problem solved

Functional benefit

Products and services

• Cobranza Administrativa Administrative collection service for early-stage delinquent portfolios, run through a call center with the goal of getting debtors to voluntarily fulfill their obligations. Targeted at financial institutions, cooperatives, and credit originators that need to manage incipient delinquency with high-volume, phone-based outreach.
• Cobranza Preventiva Preventive collection service that analyzes current portfolios with payment-behavior models to identify non-payment risk and apply differential management to debtors before due dates. Aimed at lenders seeking to reduce default through early risk segmentation and proactive outreach.
• Cobranza Pre-jurídica Pre-legal collection service that contacts delinquent debtors through field visits, call center outreach, and telematics, proposing payment-normalization alternatives aligned with the client's recovery policies. Suited for portfolios that have moved past preventive stages but are not yet in formal judicial collection.
• Cobranza Jurídica Judicial collection service providing legal representation for debt recovery through judicial and extra-judicial processes on behalf of financial entities, cooperatives, and real-sector companies. Targets the most hardened delinquency cases that require formal legal action.
• Cobro de Cartera Castigada Recovery service for written-off (charged-off) portfolios, focused on locating debtors, negotiating payment alternatives, and following up to recover maximum value in minimum time. Designed for financial institutions, cooperatives, and credit originators with legacy non-performing loan books.

Quantifiable outcome

• Reduction of default/morbidity index through effective collection strategies
• +2 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

One partnership is on record.

• Revista Ciclo de RiesgocoreGTM or Marketing Partner · 19 June 2025SIC&C was an official sponsor of the B2B Financial & Innovation Day event organized by Revista Ciclo de Riesgo, a prestigious financial industry publication. This partnership strengthens strategic alliances and promotes innovation in the Colombian financial sector.

Scale indicators2 records

Recent moves4 records

Expansion highlights4 records

Broad incumbents

• EOS Group: International debt collection services group operating across multiple countries with BPO-style recovery services for banks and financial institutions. Comparable in offering end-to-end collection services to financial-sector clients but at a far larger multinational scale.
• PRA Group: US-listed debt buyer and collection services provider that purchases and recovers delinquent portfolios from financial institutions. Comparable as a player in the broader debt recovery value chain serving banks and credit originators, though business model centers on portfolio purchasing.
• Convergys (now Concentrix): Global customer experience BPO with Latin American presence providing collections and credit management services to financial institutions. Comparable as a BPO offering outsourced collection services to banks, though at enterprise scale with broader service portfolio.
• Teleperformance Colombia: Major global BPO with large Colombian operations offering call center and customer management services, including collections support for financial institutions. Comparable as a Colombian BPO serving banks with debt collection-adjacent capabilities, though at vastly larger scale.
• Intrum: European-headquartered leader in credit management and debt collection services with global operations. Comparable as a broad incumbent offering outsourced debt collection and recovery services to financial institutions, though at much larger scale and broader geographic reach than SIC&C.

Others

• Equifax Colombia: Global credit bureau with Colombian operations providing credit reporting and analytics used by financial institutions for debtor evaluation. Comparable as an enabling data infrastructure provider in the Colombian debt collection value chain that SIC&C's clients also rely on.
• TransUnion Latin America: Major credit bureau operating across Latin America providing credit information, analytics, and collection support services to financial institutions. Comparable as an ecosystem enabler for debt recovery in the Colombian financial sector, supplying data that powers collection decisions.

Regional players

• Allus (Bertelsmann BPO): Latin American BPO firm with significant Colombian operations offering contact center and back-office services including collections. Comparable as a regional BPO serving Colombian financial institutions with debt collection workflows, though broader in scope than SIC&C's specialized focus.

Market position

Strengths2 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/soluciones-integrales-en-cr%C3%A9dito-y-cobranza/posts/?feedView=all
• Xx.com/Oscarfe97029296
• Facebookfacebook.com/soluciones.sicc

Revenue estimate

Valuation estimate

Number of profiles

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 Soluciones Integrales en Crédito y Cobranza