CTG — Financial Mediation and Advisory
PRE-TRIAL MEDIATION
- Case intake by CTG → registration in CRM, mediator assignment
- Review of documents and financial situation
- Negotiation: restructuring, deferral/payment holiday, partial settlement
- Plan agreement: amounts, timelines, communication channels and frequency
- Performance monitoring, adjustments when circumstances change
- Closure: closing documents from the bank and a final statement
BENCHMARKING & AI ANALYTICS
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Comparison of the effectiveness of CTG mediation against the bank's baseline model on identical cohorts (e.g. 30+ DPD).
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KPIs: agreement rate, time to agreement (TTA), 90-day recovery rate, complaint rate/NPS. AI scores: agreement probability, next best action, optimal contact channel/time.
CTG specializes in financial mediation and advisory. All processes are built in accordance with the legislation of the Republic of Uzbekistan.
AI COMMUNICATIONS (ROBOT OPERATOR)
- Notifications and reminders (SMS, messaging apps, voice); consultation booking
- LLM assistant: answers to typical questions, conversation summaries, offer options
- Compliance monitoring of 100% of interactions: sentiment analysis, automatic risk flags
- Personalized frequency and channels within contact limits and opt-out preferences
- Customer service and reference answers; debt handling
About the Company
CREDIT TECHNOLOGY GROUP (CTG) — financial mediation and advisory. We build dialogue between banks and clients and help settle debts out of court.
CTG specializes in financial mediation and advisory: we help the parties reach a sustainable agreement in accordance with the legislation of the Republic of Uzbekistan.
We provide financial mediation and advisory services based on the principles of voluntary engagement and transparency. Solutions are tailored individually, taking into account the client's financial capacity and the creditor's interests.
For partners — an efficient and manageable process: CRM tracking, regular reporting and communication quality control. For clients — clear terms, mediator support and confidentiality.
All processes are built in strict accordance with the legislation of the Republic of Uzbekistan, including personal data protection requirements (Law No. ZRU-547) and the regulator's guidance on ethics and contact frequency.
International expertise: we draw on the best practices of the developed markets of Croatia, Poland, Romania, Serbia and Russia, adapting our methodology and compliance to the requirements of the Republic of Uzbekistan.
Investing in NPL portfolios of the largest banks
Invest in debt portfolio acquisition
We operate in line with international standards and the market practices of Croatia, Poland, Romania, Serbia and Russia, adapted to the local regulatory framework of the Republic of Uzbekistan.
CTG's Mission
The evolution of financial culture
We restore the balance of interests between banks and clients through dialogue, mediation and personalized financial solutions.
PEOPLE
Behind every case we see a person and their life circumstances. Our job is to help them return to sustainable payments without conflict.
TRUST
Openness and respect for all parties are the foundation of our work. Transparent rules, clear agreements and accountability for results.
EFFICIENCY
We arrive at a solution quickly through analytics, a personalized plan and coordinated communication. First agreements are typically reached within 3–6 months.
INNOVATION
CRM, omnichannel communications and AI tools help us suggest the "next best action," choose the optimal contact channel and time, and monitor the quality of every interaction.
CTG's strengths — sustainable agreements within reasonable timelines, AI analytics and strict communication quality control.
sustainable agreements
High rate of out-of-court agreements, with clear terms for all parties.
short timelines
First agreements are typically reached within 3–6 months from the start of engagement.
digital technologies and AI
CRM, omnichannel outreach, AI scores and sentiment monitoring of 100% of calls.
fast response to requests
A dedicated account manager and project team for every partner; 24/7 support; regular reporting.
quality and compliance
Quality control, a request handling policy, personal data protection (Law No. ZRU-547), a corporate code of ethics and a hotline.
project-based approach
Dedicated teams with a deep understanding of the partner's products and portfolio specifics.
ETHICAL COMMUNICATION
CTG uses only appropriate methods of engagement. Communications take place during agreed hours and in compliance with frequency limits. All processes comply with the legislation of the Republic of Uzbekistan; a corporate code of ethics and a request handling mechanism are in place.