arrow_circle_right Financial services
Consulting and technology for debt management
Improve recovery outcomes through borrower-focused digital experiences, intelligent automation, and operational modernisation.
Debt management sectors
Debt management technology has two jobs: improve recovery rates and treat borrowers with respect. Those goals aren’t in conflict – in fact, the right digital experience increases both resolution outcomes and customer satisfaction. We’ve built some of the most sophisticated borrower self-service platforms in Europe, and we understand both the commercial logic and the human dimension of this space
Consumer loans
Debt collection
Debt restructuring
arrow_circle_right Why it matters
Challenges we help you tackle
Borrowers expect self-service options across digital and mobile channels – call-centre-only models are no longer viable.
AI and predictive analytics are transforming how debt portfolios are managed and how collections strategies are optimised.
Manual, Excel-based workflows create compliance risk and operational bottlenecks.
UX in debt management has historically been poor – but empathetic, clear interfaces measurably improve outcomes.
arrow_circle_right Our consulting and technology services
Digital borrower engagement and self-service
- Self-service portals for debtors and borrowers – managing accounts, exploring payment options, and setting up payment plans independently.
- Loan chatbots and conversational AI – 24/7 guidance through common processes, payment reminders, and early-stage borrower communication.
- UX/UI design for sensitive interactions – empathetic, clear interfaces that reduce anxiety and increase engagement.
Intelligent debt management and decisioning
- End-to-end debt management systems – tracking, managing, and processing debt portfolios from early arrears to recovery.
- Decision engines and integrations – rule-based and AI-driven engines for collections strategy, payment plan eligibility, and risk assessment.
- Data modelling and reporting – actionable insights into portfolio performance, recovery rates, and compliance.
- Recommendation models for debt restructuring, repayment prediction, sentiment analysis, and more effective debtor communication.
Operational efficiency and campaign automation
- Workflow applications for loan sales and recovery campaigns, automating targeted communication and tracking execution.
- Process automation identifying and automating repetitive tasks throughout the debt lifecycle.
- Architecture design and consulting – scalable and secure IT architectures for complex debt management ecosystems.
arrow_circle_right Key facts
2,000+
engineers across the Spyrosoft Group
300+ clients globally
including 10+ major financial institutions
Listed on the Warsaw Stock Exchange
$167M USD revenue in 2025
Compliance with standards
FCA, EBA, DORA, GDPR, PCI DSS
arrow_circle_right Certificates
arrow_circle_right Our team
Meet our experts
Communication transparency helps to solve many problems
I am an IT manager with 15 years of professional experience in developing and managing IT solutions in an international environment and with remote teams. Most of my professional path was related to software development, IT service management and technical customer support, however for last years I have been focusing on building offering and business strategy execution.
In my daily work, I focus on clients’ needs and partnership relations. I value transparent communication in achieving goals and in actions. At Spyrosoft, I’m responsible for building and growing the Financial Services offering and delivery of financial solutions.
Deep domain expertise is the foundation of client trust
With over 20 years in financial markets, I specialise in the functional and technical architecture of trading and banking solutions spanning Front-Office, Back-Office, and Accounting.
I’ve delivered analytical, advisory, and implementation projects for Polish and international banks and financial institutions, and led RFP processes to help clients identify and select the right vendors for their target systems.
Much of my work has centred on Calypso, a leading cross-asset trading and risk management platform. I’ve led its implementation in several Polish banks, building one of the deepest hands-on specialisations in the platform in Europe.
At Spyrosoft, I co-lead the Financial Markets area and drive the growth of our global partnership with Nasdaq, helping clients turn complex capital markets challenges into practical, scalable solutions.
Capital Markets and Treasury Transformation has been my focus for over 20 years, working with banks and financial institutions to drive complex change from strategy through to delivery.
During nearly nine years at Accenture Poland, I led advisory and implementation engagements across Poland and Europe, covering TMS market analysis, RFI/RFP processes, target architecture design, and full-scale implementations of Calypso and Kondor+/K+TP, including cloud deployments on Microsoft Azure.
Before that, I spent over six years at Raiffeisen Polbank managing the IT project portfolio for the Risk, Finance, and Treasury domain. I started my career at Lufthansa Systems Poland, building expertise in regulatory reporting for banks in Poland, Ireland, and Luxembourg.
At Spyrosoft, I bring together deep domain expertise and hands-on delivery experience to help clients take on the financial transformation programmes that matter most.
For more than two decades, I have been involved in IT system implementation, integration and technology consulting for the banking and financial sector. Throughout my career, I have delivered projects for leading financial institutions across Poland and Europe, supporting complex transformation initiatives across both business and technology domains.
My experience combines engineering expertise with a consulting background, allowing me to bridge the gap between technology and business needs. I focus on delivering solutions that create measurable business value.
arrow_circle_right Our articles
Pick your next read
arrow_circle_rightContact
