Stop Chasing. Start Orchestrating.

Create client workspaces with full tenant → sub-tenant → partner → user hierarchy. Activate only required services, define operating locations, set role scope, and maintain isolated credentials, channel credentials, and billing configuration per tenant and partner entity.

Ingest allocation files, payment feeds, interaction data, and FOS records through file, API, email, or manual upload. Preserve source lineage, validate data quality, and sync the operating record centrally — supporting core banking, LOS/LMS, and payment gateway feeds.

Connect to an external ML environment to run default prediction, payment date prediction, and PTP success prediction models. Push scored results into the core without overwriting closed or paid cases. Optional integration with a pre-computed feature store with tracing and audit trail for BFSI use cases.

Track bucket, DPD, balance, assigned actor, interactions, PTP, payment events, hardship status, dispute status, legal stage, and closure reasons against one continuous lead timeline — from pre-due through NPA resolution and post-cure.

Configure policy rules including contact caps, escalation matrix, bucket logic, and retry thresholds. Build propensity-led or rule-led priority strategies, define channel-priority or value-risk matrices, set end definitions, and manage campaign overrides without rebuilding workflows in code.

Distribute cases by bucket, pincode, balance, product, language, skill, experience, scorecard, and exclusion logic. Support concurrent assignment models — primary, overflow, benchmark, or staged handoff across agencies. Every decision is logged with rule version, score, assignee, and override reason.

Set channel credentials, I/O mappings, permissible timings, attempt limits, move-to-FOS rules, and response capture across each configured channel. Consent-aware communication rules enforced by channel and purpose. All outcomes write back to the lead timeline.

Manage agency onboarding, certification tracking, contracts, commission slabs, penalty clauses, and approval workflows. Support route-ready FOS daily plans, GPS-backed visit execution, agent productivity tracking, leakage monitoring, MIS & benchmarking, and real-time login and performance dashboards for managers.

Capture PTP with amount, date, source, confidence, and owner. Handle PTP breaks with automatic escalation and re-allocation. Manage dispute CRM with SLA and resolution tracking. Support hardship and forbearance programs including partial payment, EMI reschedule, and hardship status tracking.

Central payment hub integrating UPI, cards, wallets, NACH, and collection references. Real-time or near-real-time auto-reconciliation with UTR capture and mismatch detection. Digital pay links embedded in nudges and bot flows. Billing automation for client and agency billing cycles. Leakage detection for payment mismatches, credit mismatches, and collection shortfalls.

Generate legal notices using approved templates with digital dispatch workflows. Maintain case and hearing calendar with task reminders and outcome logging. Secure evidence vault for call recordings, agreements, visit proofs, and payment history — with tamper-evident storage and compliance guardrails for all recovery actions.

CXO cockpit for cure rates, roll rates, RPC, DSO, CEI, and cashflow — by product, region, bucket, and partner. Champion-challenger experiment framework to test and compare strategies. Industry benchmarking against peer portfolios and historical trends. AI/ML-based predictive insights for collections and roll rate forecasting. Self-service BI query layer over governed datasets.

Tenant-aware RBAC, sub-tenant scoping, and partner-scoped access. Consent ledger with per-channel, per-purpose enforcement. Retry/contact policy engine configurable by segment and channel. Voice analytics QA for compliance breach detection. Grievance CRM. ModelGov for model registration, approvals, documentation, and regulatory audit readiness. MRM for drift detection, failure alerts, and rollback. LLM guardrails for hallucination and abuse filtering in all AI-generated outreach.

CollectAI combines pre-due EWI, allocation, tele, digital, agency, field, legal, and payment activity into a single account-level lifecycle timeline — from first signal to final resolution.

Risk scoring engine with bureau and internal data. Early warning indicators from salary delays, bounced mandates, inflow anomalies. Default prediction, payment date prediction, and PTP success prediction — so you intervene before accounts slip rather than after.

Simulate settlement amounts and NPV calculations across OTS scenarios. Run restructuring journeys with repayment-plan versioning, approval matrix, and customer acceptance tracking. Senior management cockpit for NPA and escalated portfolio supervision with scenario and decision rules engine.

Track agency performance, FOS outcomes, geo evidence, SLA adherence, agent productivity, certification status, and commission logic from one control layer. Leakage monitoring and benchmarking built in.