Loan Collections & Recovery Workflow
Automates delinquency tracking, borrower outreach, negotiation, and escalation to maximize loan recovery.
Loan Collections & Recovery Workflow
AI monitors accounts to detect missed payments. Delinquent borrowers are contacted via bots that negotiate repayment plans or restructure terms. Complex cases are escalated to human collectors, supported by AI recommendations and transcripts.
- AI detects delinquencies based on account signals
- Chatbot/voicebot contacts borrower with repayment options
- Negotiation Agent proposes payment plans for eligible cases
- Human collectors handle escalated or high-risk cases
- System updates loan status and recovery actions
Business Impact
- Boosts collections by 60% with AI-led negotiation
- Restructures repayments proactively based on borrower profile
- Reduces average handling time by up to 70%
- Automates follow-ups and simple resolutions
- Ensures 100% compliant communication protocols
- Minimizes legal risk in borrower interactions
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