Turn written-off debts back into recovered revenue.
UzaDebt takes over unsecured written-off mobile-money, commercial bank, and microfinance/digital portfolios and resolves them through automated, dignity-first self-service journeys. You pay a commission only on what we recover.
No setup fee, no retainer. Our commission is a share of cash actually collected.
Under Bank of Tanzania (BOT) rules, debts unpaid for 365 days must be written off. Every shilling we recover goes straight back to your P&L.
No harassment, no third-party calls, no public shaming. Borrowers resolve privately on their phones.
Defaulters are not a monolith. So we don’t treat them like one.
Our engine is a state machine: every delinquent account is classified from intake data and repayment telemetry, then routed into the self-service path most likely to convert, instead of a brute-force calling queue.
Friction-blocked35–45% · UX drop-off
BehaviourIntent and liquidity to settle, but blocked by penalty opacity, broken USSD routing, locked app states or avoidance triggered by aggressive collectors.
UzaDebt pathFrictionless web/USSD checkout with one clear number, plus dignity-first notification micro-flows that reduce cognitive load.
Multi-app digital hopper25–30% · ghost SIM
BehaviourDigital natives who borrowed across multiple micro-lending rails and abandoned handsets or wallet handles as debt aggregated.
UzaDebt pathIdentity stitching across secondary identifiers (NIDA-linked KYC, new MSISDN mappings) to quietly re-engage them into a structured resolution funnel.
Liquidity-mismatch15–20% · cash-flow stress
BehaviourSalaried workers and micro-merchants (VICOBA, wakala ecosystems) facing temporary cash-flow timing mismatches or broken payroll check-off.
UzaDebt pathProgrammatic restructuring: micro-instalment schedules or grace-period re-amortisation driven by real-time repayment telemetry.
Resistant / high-DTI~10% · low response
BehaviourHigh debt-to-income borrowers who systematically ignore human outreach and test institutional boundaries.
UzaDebt pathZero-marginal-cost multi-channel queueing that keeps persistent, low-cost digital touchpoints alive until self-service engagement occurs.
From portfolio file to clearance certificate.
Assign
You share a written-off portfolio extract under an NDA and data-processing agreement.
Segment
Accounts are enriched, deduplicated and routed by behavioural segment and readiness score.
Offer
Borrowers receive discount bands you approve: lump-sum or micro-instalment plans.
Collect
Each plan gets a unique UzaDebt Control Number payable across M-Pesa, Mixx by Yas, Airtel Money, HaloPesa and banks, so every payment reconciles to one account.
Clear
Settled accounts are reported back for credit-bureau update and an Official Settlement Confirmation & Payment Receipt is issued.
A commission model aligned with your recovery.
We only get paid when you get paid. Commission rates are agreed per portfolio, based on age, ticket size and segment mix. Collections are reconciled per account and remitted on an agreed cycle with full reporting.
- Discount bands approved by your credit committee
- Account-level dashboards and settlement reports
- Data handled under Tanzania’s Personal Data Protection Act
| Written-off balance (principal + penalties) | 1,240,000 |
| Approved settlement discount (60%) | −744,000 |
| Borrower pays via BillPay control number | 496,000 |
| UzaDebt success commission (agreed %) | per contract |
| Recovered to the institution from a fully-provisioned debt | net of commission |
Amounts in TZS. Figures are illustrative and do not represent a quote.
Built for the way Tanzania pays.
Omnichannel UzaDebt Control Number
Per-borrower UzaDebt Control Numbers payable from M-Pesa, Mixx by Yas, Airtel Money, HaloPesa and bank channels, with instant webhook reconciliation.
Interactive Customer Portal
Self-serve portal in Kiswahili and English where borrowers review balances, select pre-approved restructuring plans, and download receipts.
Compliance & Customer Care
Dignity-first Customer Care aligned with Bank of Tanzania (BoT) guidelines and PDPA/PDPC data protection. No shaming, no third-party harassment.
Let’s look at your written-off book together.
We are selecting a small number of pilot partners for the validation phase.
Become a pilot partner