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EarlyResolution

Streamline default management and deliver superior customer experiences with EarlyResolution, a leading default management software solution. 


Experience the transformative power of EarlyResolution

No more operational inefficiencies, hefty default management costs or subpar credit losses and recovery rates – that’s the promise of EarlyResolution. A leading default management solution, EarlyResolution employs intelligent automation and advanced analytics to reduce complexity, improve customer experiences, and ensure compliance.

EarlyResolution is a cloud-native, highly configurable platform that supports mortgage, personal and auto loans. Hosted in the AWS cloud powered by Intel, EarlyResolution comes with minimal latency and boosts operational efficiency with dynamic call scripting, document tracking, making loan decisions, and optimal workout identification capabilities.

750,000/year
optimal workouts identified
25-30% savings
in call management cycles
20+
technology partners
30-50% workflow lift
thanks to resource and efficiency boosts

Why choose DXC for EarlyResolution

Proven solution

EarlyResolution has been powering default management for loan servicers for 15+ years, with over 2.6 million transactions processed monthly and 750,000 workout decisions made yearly.

Streamlined processing

EarlyResolution users benefit from 20% faster decision processes and 30% fewer inbound calls following the platform’s implementation, on average.

Flexibility

This default and default management system comes with a robust program extending and compliance capabilities, enabling you to quickly adapt to changes in demand and regulations.

Increased volume

EarlyResolution boosts loan servicing volumes by an estimated 25% while reducing credit losses with intelligent process automation and data-driven insights.

Cost efficiency

EarlyResolution’s self-service borrower portal reduces customer support staffing needs while minimizing waiting times, accelerating query resolutions, and enhancing the customer experience.


Talk to one of our experts today


EarlyResolution solutions & capabilities

Intelligence and analytics

No more operational inefficiencies, hefty default management costs or subpar credit losses and recovery rates. EarlyResolution employs intelligent automation and advanced analytics to reduce complexity, improve customer experiences and ensure compliance.  It provides one single source of truth for all resolution stakeholders, with an advanced, highly configurable automated rules engine and seamless integrations. 

Mortgage default management

Leverage advanced analytics and intelligent workflow automation to boost the borrower experience, minimize losses and improve efficiency, streamlining delinquent mortgage management and ensuring compliance with all the necessary regulations. 

Auto loan default management

Our scalable Software-as-a-Service (SaaS) solution automates the entire auto loan default management process, from initial contact and underwriting to loss mitigation and repossession. Streamline repossession processes, optimize communication strategies and improve recovery rates for defaulted auto loans. The platform offers robust industry-specific compliance, workflow automation and analytics capabilities to boost operational efficiency and minimize losses. 

Personal loan default management

Deliver superior digital borrower experiences, and optimized repayment strategies, with the help of personal loan default management automation, continuous compliance and data-driven CX personalization. 

Borrower portal

Enrich the borrower experience, redefining how borrowers interact with your organization during adversity. The self-service portal streamlines borrower interactions with document uploading, status tracking, and automated resolution progress updates, reducing inbound calls by 30% on average.  You’ll reduce customer support staffing needs while minimizing waiting times, accelerating query resolutions and enhancing the customer experience. 

Financial calculator

Simplify income and expenditure data aggregation and calculation, seamlessly and securely exchanging data with an underwriting decision engine to accelerate loan workouts. 


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By unifying core and customer data into a real‑time view, DXC helps the bank identify customer needs and potential issues earlier, enabling faster, more effective resolution.



The banking customer in a data-rich world

Leveraging unified, real‑time customer data enables banks to identify emerging issues early and intervene proactively, resolving concerns before they escalate into complaints or disputes.

Five data trends that will define the future of banking

Data unification, automation, and analytics empower financial institutions to detect risks and service friction sooner, supporting EarlyResolution through faster, insight‑driven action.

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Well‑governed cloud platforms provide the visibility and scalability needed to orchestrate early interventions securely, helping organizations resolve issues quickly while remaining compliant.


Frequently asked questions


EarlyResolution stands out among other default management, collection and recovery solutions with its: 

  • End-to-end default management: Unlike most default management solutions, EarlyResolution streamlines the whole default management process, from initial contact to compliance. 
  • Industry-specific solutions: EarlyResolution offers state-of-the-art capabilities tailored to loan servicers in the auto, mortgage and personal loan industries. 
  • Proven track record: EarlyResolution has been on the market for over 15 years and processes more than 2.6 million transactions a month. 
  • Powerful automation capabilities: EarlyResolution streamlines processes across default management with features like dynamic call scripting and automated rule processing, eliminating unnecessary manual work.
  • Data-driven decisioning: EarlyResolution leverages sophisticated analytics to accelerate loan decisions and optimize workout identification. 
  • Robust compliance: EarlyResolution simplifies regulatory compliance, allowing loan services to quickly adapt to changes in requirements and mitigate  risks. 
  • Self-service borrower portal: EarlyResolution makes self-service support a frictionless, intuitive digital experience for borrowers, reducing inbound call volumes. 

EarlyResolution is built with seamless integration in mind. The platform can be easily integrated into the existing digital ecosystem thanks to its agile architecture that enables a secure and smooth flow of data with external platforms and databases. On top of that, EarlyResolution is designed to be highly scalable and keep all data secure as part of the software stack. 

As a result, loan servicers can get one step closer to operational excellence. EarlyResolution can also serve as the single source of truth for all teams, reducing complexity, eliminating busywork and breaking data silos. 

EarlyResolution offers robust automation and analytics capabilities across mortgage, auto and personal loan types. Its flexible architecture allows for easy adaptation of the platform to particular loan servicing needs, maximizing operational efficiency and productivity gains — and cost savings — as a result. 

The platform offers workflow automation and advanced analytics for loan type-specific regulatory compliance, repossession and recovery, loan workout and personalized borrower interactions. For instance, for auto loan servicers it considers the particularities of the vehicle repossession process. 

This makes EarlyResolution one of the industry leaders in auto, personal loan and mortgage servicing solutions for payment and processing automation. 

EarlyResolution’s self-service borrower portal allows loan servicers to reap the following six benefits: 

  • Enhanced borrower experience: The portal allows borrowers to easily track their account’s status, interact with the lender and find the most optimal workout option. 
  • Fewer inbound calls: EarlyResolution can reduce the volume of incoming calls by as much as 30%, reducing the strain on customer service teams and staffing needs. 
  • Seamless integration: EarlyResolution can be easily integrated with online banking services to facilitate communication and improve contact rates and responsiveness. 
  • Reduced reliance on manual work: The self-service portal removes the need for manual query intake, accelerating resolution .
  • Improved transparency and trust: With EarlyResolution’s portal, borrowers can receive real-time updates on their accounts and requests. 
  • Reduced technology estate complexity: EarlyResolution offers a full suite of default management capabilities on one platform, eliminating the need for multiple systems and integrations. 

As a time-tested, reliable default management software solution, EarlyResolution allows loan servicers to: 

  • Improve recovery rates with the most optimal default management strategies powered by data-driven insights 
  • Increase operational efficiency with robust process automation that simplifies complex processes and reduces the need for manual work, resulting in an estimated 25% increase in the number of loans serviced and 20% faster decision times, on average 
  • Enhance borrower experiences with a self-service borrower portal, faster resolution times and personalized interactions powered by a 360-degree view of every borrower 
  • Meet regulatory requirements with automation capabilities that help maintain compliance with industry-specific regulations and quickly adapt to changes in legal requirements