SJS Credit Services (Pty) Ltd: Services

By: Sjs Credit Services  11-11-2011
Keywords: debt, Credit Services


SJS Credit Services (Pty) Ltd offers a complete range of services, namely:

  • The client’s collection process will be managed in a completely ring-fenced environment with a dedicated Campaign Leader and Team Leaders.
  • SJS will conduct a workshop with the client to determine and document their requirements or needs where applicable.
  • This is likely to include, but is not limited to the following:
    • Data management and security.
    • Systems / technology.
    • Call campaign specifics, collection policies and procedures.
    • Scope of authority.
    • Personnel requirements.
    • Service Level Agreement and Key Performance Indicators.
    • Reporting requirements.
  • A full project plan with milestones will be documented.


  • The solution offered by SJS will cover the full spectrum of collections for the client with clearly stipulated Service Level Requirements.
  • SJS will provide comprehensive reporting on all aspects of the collection process.
  • This will include the detailed collection matrix reporting on:
    • Status movement in all three operational processes, i.e., soft, secondary and tertiary processes.
    • Balances
    • Cash flow
    • Contact ability percentages, average payments, efficiency reports, reasons for unsuccessful accounts , numbers not reachable etc.
    • Other


  • SJS Credit Services is proud to include the following clients as references:
    • Maravedi Credit Services
    • Medihelp Medical Scheme
    • Shoprite Checkers t/a OK Furniture, House & Home


  • To ensure well executed debt collections services SJS Credit Services would like to include the following highlighted sections of the NCA as in-direct impacts in the collection process with debtors.
  • These impacts do have a defined impact on our client’s debtors, system capabilities and therefore
  • SJS’s approach to ensure that all regulatory requirements are met.
    • Protection of consumer credit rights
    • Right to confidential treatment
    • Over-indebtedness
    • Reckless credit
    • Default notices
    • Debt procedures in a court
    • Debt Counsellor
    • Debt restructuring


Questions from SJS:

  • Number of accounts to be handed over monthly to SJS
  • Benchmarking and yield calculations
  • System requirements
  • Handover process
  • Reporting process
  • Pay over process
  • Draft SLA and discussion session
  • Availability of credit agreements
  • NCR certificates

Keywords: Credit Services, debt

Contact Sjs Credit Services


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