Vicunous tracks signals beyond credit bureau data and past-due flags, flags deterioration before an account is ever late, and automates the first response through your own comms — so more loans get cured, not charged off.
Early access for community banks and credit unions. No core migration required.
By the time an account is past due, you're already behind. New signals — beyond credit bureau data and past-due flags — tell you when to act before trouble hits.
From the first sign of risk to the last attempt at recovery, Vicunous gives the team a single workflow — covering every loan product, not just one corner of the book.
Mortgages, commercial real estate, auto, consumer, and small-business loans tracked side by side — so performance and exposure are clear in one place instead of scattered across systems.
New signals — beyond credit bureau data and past-due flags — surface deterioration early, with clear act-now thresholds before an account ever misses a payment.
Reminders, payment plans, deferrals, and hardship offers go out automatically — through your existing comms, in your own member-first voice.
Each intervention becomes a chance to keep the member — the right refinance, a hardship product, debt consolidation, even an advisor. A cure, not a charge-off.
We're onboarding a small group of community banks and credit unions. Join the waitlist and we'll reach out as early access opens.