FEXCOB is a debt collection company with its own team in three countries. We don't outsource the hard part: the call center, the field agents, the lawyers and the analysts are ours, and they work on the same case file from first contact through to court enforcement.
30+ people on the collections team. These are the four area leaders.
Attorney with a background in litigation, specializing in civil, administrative, criminal and arbitration disputes, with technical expertise in public procurement. She advises banks, credit unions, multinationals, pharmaceutical companies and insurers.
Spanish · English · French
Business administrator with a certification in business and finance and extensive experience at banks and credit unions, leading lending, recovery and deposit-gathering teams. He has served as credit coordinator, head of collections and national microcredit manager. In-depth knowledge of SBS (Superintendency of Banks) and SEPS (Superintendency of Popular and Solidarity Economy) regulations.
Spanish · English
Attorney with experience in civil litigation, contract law, receivables recovery and court representation of financial institutions. Specialized training in personal data protection, focused on mitigating the legal risk of every collection action.
Spanish · English
More than fifteen years inside financial institutions—banks and credit unions—in credit, collections, operations and customer service. He coordinates the team's day-to-day work and tracks recovery KPIs.
SpanishThe same structure at all five locations: four areas working on the same case file.
Edgar SánchezMaría José CajasCésar Jiménez
JAMAIL™ · AI agentEverything the team does is stored there: nothing lives in a notebook or on an agent's phone. The CRM's AI organizes the portfolio, suggests the next action and feeds the reports you see live.
JAMAIL™ is the first AI-powered collections agent built by our team. It intelligently manages the litigation portfolio: it analyzes the data for each case, keeps case statuses up to date, contacts your delinquent customers and drafts every message and email, which the team reviews before they are sent. You see everything it does, live, from your report.
It loads the cases and files in your portfolio, exactly as they are.
It reviews each case to know where it stands and what comes next.
Every case is kept up to date in your report, without waiting for the end-of-month report.
It contacts your delinquent customers by phone, WhatsApp, email or SMS, and drafts each message and email according to the case; the team reviews it before it's sent.
You log in to your report and see collection activity, case statuses and agreements in real time.
Reviewed case files and updated procedural statuses.
Sent WhatsApp and email reminders to delinquent customers.
Prepared emails and payment agreement proposals.
Updating
Four fronts working on the same portfolio
How do we do it, step by step? It's all in debt collection and receivables recovery services.
Specialists in recovery and asset analysis. In-house call center, field agents, lawyers and financial analysts, all on our payroll.
Artificial intelligence, CRM and analytics that organize the portfolio before first contact and leave an auditable record of every action.
We prioritize each case by risk, feasibility and recovery potential. Before we touch the portfolio, we know what's collectible and through which route.
Our own operations in Ecuador, Peru and Colombia, with five offices. A single portfolio can span three jurisdictions with a single point of contact.
International rankings and certifications audited by independent third parties back every action we take on your portfolio.
A distinction awarded from Paris. Each year it ranks the top asset recovery firms in Latin America.
One of the most influential legal directories in the world. Its ranking is built by interviewing each firm's clients.
International workplace culture certification. A stable team manages your portfolio better.
International anti-bribery standard, audited by an independent third party. Ethical, traceable management of every portfolio.
Our own teams on the ground, not correspondents
Av. Naciones Unidas E2-30 y Núñez de Vela, Edif. Metropolitan. Main office: 15th floor, office 1504.
Av. 9 de Octubre y Los Ríos, Edificio El Marqués, piso 4, oficina 2.
Edificio Torre 97, Cra. 16 #97-46, 7th floor, CWork Latam.
Edificio Milla de Oro, Cra. 42 #3 Sur 81, Tower 1, 15th floor, El Poblado.
Av. Arequipa 2447, office 409, Edificio Cuore, Lince.
Collections, legal backing and investigations within a single group.
A difficult portfolio is rarely solved with a single discipline. FEXCOB runs collections, FEXLAW handles the legal front and FEXTOR finds those who don't want to be found. Three established companies, with the same compliance standards and a single point of contact on your side.
Recovers current, past-due, written-off and in-litigation portfolios for banks, credit unions and companies. In-house AI-powered call center, field agents and a single case file from first contact to payment.
Law firm with its own offices in Quito, Guayaquil, Bogotá and Lima, ISO 37001 and Great Place to Work certified, and ranked by Leaders League for six consecutive years. It is the legal front of recovery: executory lawsuits, precautionary measures and criminal, civil and banking-law support for every collection case that reaches the courts.
A risk management and intelligence firm made up of former officials from U.S. security agencies and from institutions in Ecuador, Colombia and Peru. It locates the debtor and their assets when the phone is no longer enough. It's what makes the hardest-to-recover portfolios collectible.
Talk to our specialists today.
Choose the country where your portfolio is and that office's team will assist you.
