Customized Debt Management Solutions
At QHL, we help you manage delinquent accounts and strengthen financial performance through tailored debt management solutions. Whether outsourcing credit control or leveraging third-party collections, we provide flexible, cost-effective support that fits your business and maximizes value.
First-Party Debt Collection (BPO Model)
With our first-party collections model, Quest acts as part of your team — reaching out to customers under your brand to maintain trust and consistency. Through our Business Process Outsourcing (BPO) service, you can access experienced credit controllers who manage your receivables seamlessly and professionally. Choose from flexible engagement options — Fixed Desk, Floating Desk, or Virtual Assistant — tailored to your operational setup.
Fixed Desk
Ideal for FinTechs, Microfinance Institutions, and Tier 1 & 2 SACCOs, this model provides a dedicated debt collector who manages your portfolio exclusively.
You can rent one or more “desks,” upload your debtor list, and our assigned resource will handle collections using our tools and systems — operating as part of your internal team.
Floating Desk
Designed for manufacturers, distributors, medium enterprises, and smaller MFIs or SACCOs, this model allows you to share a collector instead of hiring a dedicated one.
Your accounts are worked on alongside other clients’ portfolios, but you still enjoy the same professional service, reporting access, and system visibility as a Fixed Desk client.
Virtual Assistant
Best suited for clients with small portfolios, the Virtual Assistant model automates your debt recovery process.
Through our advanced collection system, you can schedule SMS reminders, emails, robo-calls, and follow-up alerts, ensuring consistent engagement and improved recovery without manual effort.
Third-Party Debt Collection
When debt accounts reach formal recovery, Quest steps in as your trusted partner. Acting under the Quest Holdings brand, we engage debtors professionally yet firmly — signaling escalation and driving faster resolutions. Our recovery teams handle every step, from communication to performance tracking, ensuring a structured, compliant, and results-driven process. We manage a wide range of portfolios, including early delinquencies, long-overdue accounts, complex restructurings, and court-linked recoveries.
Early-Stage Delinquencies
We help businesses recover overdue accounts before they age into serious defaults. Our approach combines data analytics, proactive engagement, and multi-channel communication to encourage timely repayment while maintaining positive customer relationships.
Post-90-Day Accounts
For older, harder-to-recover debts, we apply targeted strategies backed by field teams, negotiation expertise, and trace-and-collect tools. Our structured escalation process maximizes recovery rates while preserving brand reputation.
Corporate & SME Debt Restructuring
We support corporates and SMEs with professional mediation and restructuring strategies that balance business continuity and repayment success. Each case is handled with transparency, professionalism, and tailored repayment frameworks.
Small Claims Court Recoveries
Where legal escalation is required, we manage the process end-to-end — from case preparation to enforcement follow-up. Our team ensures compliance, efficiency, and accountability throughout, enabling clients to recover debts through the legal system without disrupting operations.
Debt Collection Training
As one of Kenya’s pioneers in debt recovery, Quest Holdings provides specialized training programs for lenders and financial institutions. Our practical workshops and in-house sessions equip teams with the tools, techniques, and confidence to manage collections effectively in today’s fast-changing financial landscape. We go beyond theory — focusing on hands-on strategies, real case studies, and proven best practices that drive measurable improvement in recovery performance.
In-House Training Sessions
Tailored for banks, MFIs, and SACCOs, our in-house sessions are designed around your team’s real challenges.
We bring industry-tested strategies and interactive learning directly to your workplace, ensuring immediate skill application and impact.
Hands-On Workshops
Delivered by seasoned recovery experts, our workshops blend simulation, negotiation practice, and analytics-based decision-making.
Participants leave with actionable techniques to improve debtor engagement and boost collection rates.
Markets We Serve
We partner with leading banks to recover non-performing loans while protecting customer relationships. Our specialized teams manage retail, SME, and corporate portfolios with precision. Through analytics and field presence, we maximize recoveries and strengthen financial stability.
We help fintechs manage high-volume, short-term credit with efficient, tech-driven collections. Our ClaimFlux platform integrates seamlessly to track, analyze, and recover at scale. By safeguarding repayments, we ensure fintechs sustain growth and maintain customer trust.
Education is the cornerstone of personal and societal growth, serving as a catalyst for enlightenment, innovation, progress. Through education, individuals gain knowledge.
We enable businesses to recover outstanding payments from distributors, retailers, and end-users. Our tailored B2B and B2C strategies protect supply chain relationships while driving repayment. With national field coverage and smart systems, we keep cash flow moving for commerce.
Trusted by Banks, Fintechs, Corporates & the Public Sector
From tier-one banks and fintech innovators to corporates and public institutions, Quest Holdings has built long-term partnerships grounded in trust, transparency, and results.
