Collect & recover
Professional, compliant recovery of outstanding accounts, run by trained agents against stringent service levels.
- Debt collection
- Tracing
- Business process outsourcing (BPO)
Debt collection Tracing Revenue enhancement
Recover more. Write off less.
Morkalio is a boutique revenue solutions firm. We pair data analytics with an Ubuntu-led approach to collections, helping public and private institutions grow revenue and shrink bad debt.
- Level 1 B-BBEE contributor
- 100% Black-owned
- Registered with the Council for Debt Collectors
- Member of ADRA
- Years in collections, tracing and data analytics
- 14 +
- Years of combined executive experience
- 30 +
- B-BBEE contributor
- Level 1
- Black-owned
- 100 %
01 Who we are
Boutique
by design.
No two debtors’ books are alike, so we never treat them alike. Every engagement starts with your portfolio, your systems and your goals, and ends with results you can measure.
As specialists in debt collection and tracing, we apply modern, purpose-built algorithms in our data analytics process. That lets us locate debtors, prioritise accounts and focus effort where it delivers.
A strong management team, best-of-breed technology and tried and tested strategies make Morkalio a turnkey answer to growing debtors’ books.
More about MorkalioGolden data partnerships
We partner with golden data sources, including:
- Credit bureaus
- Credit providers
- Micro-lenders
- Municipalities
- Development banks
- Financial services companies
02 What we do
One partner for the whole revenue cycle.
A full debt recovery and credit control service, from the first data clean-up to the last rand collected. Every solution is customised to your scale and requirements.
Data & analytics
Purpose-built algorithms that turn raw debtor data into a clear strategy: who to contact, how, and in what order.
- Data analytics
- Propensity-to-pay modelling
- Data cleansing & enrichment
- Debtors’ book analysis & recons
Revenue management
Stronger processes and controls across the revenue cycle, so less debt builds up in the first place.
- Revenue management
- Revenue enhancement solutions
- Credit management processes
- Indigent management & verification
- Financial system module reviews
Advisory & risk
Expert guidance that reduces exposure and leads to better credit decisions.
- Advisory services
- Risk management
03 How we work
From dormant debt to recovered revenue.
A clear, measurable path for every portfolio, built on our methodology and adjusted to your needs as results come in.
- 01
Assess
We start with your book, not a template. Your portfolio, your systems and your objectives shape the strategy.
- 02
Analyse
Cleansing, enrichment and propensity-to-pay modelling show who can pay, and how best to reach them.
- 03
Engage
Trained agents and dedicated query-resolution staff contact debtors with care, respect and clear options.
- 04
Recover
Collections, tracing and payment arrangements are managed against stringent, agreed service levels.
- 05
Report
Transparent reports and dashboards show exactly what has been recovered, and what to do next.
04 Why Morkalio
Smarter collections. Fairer outcomes.
Ubuntu in every interaction
Umuntu ngumuntu ngabantu.
A person is a person through other people.
We deal with debtors in a caring and responsible manner. Respectful engagement protects your reputation and keeps every conversation constructive.
Data-driven from day one
Modern, purpose-built algorithms guide every campaign, from tracing to prioritising accounts.
Measured on results
Transparent, quantifiable measurements and stringent SLAs mean you always know where you stand.
Tailored, not templated
Flexible, customisable methods built around your challenges, not around industry habit.
Compliant and accountable
Registered with the Council for Debt Collectors, a member of ADRA, and committed to strict corporate governance.
05 Clients
Trusted across the public and private sector.
From metros and municipalities to national agencies, universities and lenders, institutions rely on Morkalio to protect and grow their revenue.
Local government
08- City of Johannesburg
- eThekwini Municipality
- Cape Winelands District Municipality
- Mogale City Local Municipality
- Fetakgomo Tubatse Local Municipality
- Ubuhlebezwe Municipality
- uMngeni Municipality
- uMlalazi Municipality
Government & agencies
06- South African Revenue Service (SARS)
- South African Social Security Agency (SASSA)
- National Student Financial Aid Scheme (NSFAS)
- National Youth Development Agency (NYDA)
- Gauteng Enterprise Propeller (GEP)
- Mpumalanga Provincial Government
Education
04- University of Johannesburg
- Walter Sisulu University
- King Hintsa TVET College
- Ingwe TVET College
Energy & finance
02- Eskom
- Letsatsi Finance and Loan
20 institutions and counting.
06 Impact
Revenue that builds communities.
Morkalio is a Level 1 B-BBEE contributor and 100% Black-owned. Our model is built to create sustainable jobs for young South Africans and to contribute meaningfully to the National Development Plan.
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Local jobs
We commit to recruiting and employing people from the area or region where each project originates.
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Skills that last
Training and skills transfer in credit management, data analytics and customer service, developing young people into future entrepreneurs.
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Support for local SMEs
We source the goods and services we need from local small businesses wherever we can.
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Partnerships for youth
We partner with the public and private sectors to train and develop youth, contributing to the National Development Plan.
Been contacted by Morkalio about an account?
We’re here to help you understand your account and agree on a way forward, with respect and in confidence.