Case Study: Raiffeisen Bank International achieves rapid ROI and boosts collections productivity with FICO Debt Manager

Raiffeisen Bank Speeds Underwriting, Reduces Risk in Developing Markets

Raiffeisen International Bank‑Holding AG, a member of the RZB Group, needed to reduce credit risk and improve collections efficiency across its network of banks. The challenge was to establish scalable, standardized collections processes and operations that could be applied group‑wide while still permitting country‑level customization.

Raiffeisen implemented FICO Debt Manager in a phased rollout across several countries, then expanded it to the entire group. The solution delivered rapid, measurable benefits: ROI in three months (Romania), a 120% increase in daily accounts worked per agent, a 70% increase in cash collected per net working hour, about 50% fewer collectors required to handle growing volumes, lower bad‑debt reserves, and significantly faster system implementation times.

Raiffeisen Bank International

Karl-Heinz-Dorfmeister

Manager, International Collections Systems