Karum Group provides a highly differentiated Credit Management System (CMS) and related services, enabling our customers to minimize the cost, risk and time normally associated with implementing and operating financial services.

These financial services might include commercial or consumer-based credit, debit and payment systems, with integrated loyalty programs, in a private or open network.

Karum provides the following products and services:

  • Our Credit Management System (CMS) which is proprietary and addresses the current and emerging needs of our customers in North America and Mexico (or wherever they operate in Central or Latin America).
  • CMS in “the cloud” as Software-as-a-Service (SAAS) to minimize capital investment.
  • Research and Software Development.
  • Implementation, Training and Support.
  • Technical Support, Operations and Service Level Management.
  • Professional Services that may include Customer-Specific Systems Development; responsibility for Credit Center and Collection Services; and Risk, Compliance and Portfolio Management.

Working with our alliance partners, Karum can often provide portfolio funding.
Karum identifies and measures key performance indicators and strives every day to exceed the expectations of its customers, employees and shareholders.

We are (relentlessly) entrepreneurial.

We are innovative, persistent and committed to a process of continuous improvement.

We are always cost mindful and focused on long-term value creation.

We are completely interdependent and we operate as a team with our customers.

We are committed to maintaining HR policies that are straightforward, honest and fair.

We treat people respectfully and we embrace diversity.

We recognize and reward exceptional performance and people who minimize cost, risk and time.

We communicate directly, quickly and openly.

We accept our responsibility for confidentiality, data privacy and security, and compliance with all the necessary rules and regulations.

We don’t lie, cheat or steal or tolerate those that do.

We are accountable for our successes and our failures.


Patriotismo 229, San Pedro de los Pinos, 03800, Ciudad de México, CDMX.