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TrueML

TrueML develops machine learning–based fintech for credit recovery and debt collection, running TrueAccord and the Retain SaaS platform across 30 U.S. states and 7 countries.

TrueML builds financial technology that applies machine learning and data science to credit recovery and debt collection. Its work centres on customer experience: it develops intelligent, human-centered tools intended to improve how consumers engage with their finances and seek financial health. The firm's technology includes patented real-time adaptive engagement and personalisation capabilities, delivered through a SaaS platform.

The TrueML family of companies comprises several entities. TrueAccord is a digital-first debt collection company. TrueML Products offers a SaaS platform called Retain. TrueML Shared Services provides support functions across the group. The company also sets out a framework it brands HumAIn Financial Solutions™, a commitment to making financial services more customer-friendly, accessible and effective through technology that accounts for individual needs and preferences.

TrueML is a remote-first employer with staff spread across 30 U.S. states and 7 countries. Its workforce includes data scientists, financial services experts and customer experience specialists. The company describes itself as mission-driven, with an explicit commitment to accessibility and inclusion - stated as ensuring nobody gets locked out of the financial system - and to restoring hope and financial stability for people who have lost them. Operating in the fintech, consumer lending and credit sectors, it combines an early-stage culture with established organisational structure.

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