COLLECTIONS AUTOMATION

Smarter recovery.
Empathetic outreach.

Our Collections Cloud optimises debt recovery by streamlining the loan repayment lifecycle, automating delinquency categorisation, and prioritising high-risk cases.

Collections automation
REVENUE RETRIEVAL PLATFORM

Mitigate borrower risk empathetically.

Our system records built-in regulatory auditing tags to shield your NBFC licence from harassment allegations using automated, empathetic, localised validation matrices.

Ethical, regulatory-compliant borrower routing algorithms
Dynamic script restriction based on RBI daylight outreach hours
Frictionless payment API integrations (Razorpay, e-NACH, UPI)
Delinquency bucket scoring with predictive risk models
Regulatory LockRBI/NHB Daylight
NPA Reduction1.5%–3.2%
DeploymentOn-Prem / Cloud
PLATFORM MODULES

The complete collections toolkit.

BPM and Recovery Workflow Engine

SimpleCRM's BPM orchestrates recovery journeys that adapt as accounts age, from soft digital nudges to assertive demand calls and formal legal actions.

Gen-AI Recovery Copilot

AI provides agents with Borrower 360° view and real-time loan data, suggesting next-best actions and auto-populating collection forms for higher recovery rates.

Omnichannel Digital Nudging

Automated soft reminders and digital alerts provide payment links via WhatsApp, SMS, and Email for self-cure in early delinquency, escalating dynamically if unresolved.

Field Collection Mobile App

SimpleCRM-Go provides real-time route optimisation, geo-tagged visit logging, and offline access for field recovery agents, ensuring compliance and capturing PTPs.

COMPLIANCE FEATURES
RBI Master Directions
Full alignment with RBI master direction on collections and debt recovery, including daylight-only outreach windows.
NHB Housing Finance
NHB-compliant NPA reporting, provisioning triggers, and settlement documentation for housing finance companies.
NBFC Reclassification
Built-in reclassification logic for the RBI July 2026 NBFC-UL/ML categorisation framework.
Ethical Outreach Engine
Automated script restriction, tone validation, and call recording with harassment-flag detection.
FREQUENTLY ASKED QUESTIONS

Common questions about Collections Automation.

Can't find what you're looking for? Visit our full FAQ library or contact our team.

SimpleWorks Collections Cloud is an AI-powered debt recovery platform built for banks, NBFCs, and lending institutions. It automates delinquency bucketing, prioritises high-risk accounts, orchestrates omnichannel nudging, and manages the full recovery lifecycle from early delinquency through NPA and SARFAESI proceedings.

Collections Automation is designed for banks, NBFCs, housing finance companies, microfinance institutions, and any lender managing a recovery portfolio. It handles both secured (home loans, LAP) and unsecured (personal, student, credit card) products.

The system categorises borrowers into standardised buckets: Bucket 1 (1–30 DPD), Bucket 2 (31–60 DPD), Bucket 3 (61–90 DPD), and Bucket 4 (90+ DPD / NPA). Each bucket has unique automated workflows, digital nudging in early stages and field visits or legal notices in later stages.

Yes. The platform uses a non-coercive, supportive tone for early delinquency to encourage self-cure, and automatically shifts to firmer demand-oriented messaging in later buckets, referencing credit-score impact and legal consequences where appropriate.

Compliance is enforced natively. The system restricts calls and visits to permissible hours (typically 8 AM to 7 PM), logs every interaction with timestamps for full audit traceability, and uses legally vetted templates for Demand Notices and SARFAESI checklists.

Agents record borrower commitments as PTPs. The system tracks status automatically, marks each promise as Kept or Broken based on payment-gateway data, and triggers immediate escalation (such as a manager callback) the moment a PTP is broken.

Yes. SimpleWorks offers seamless API integration with core platforms like Finacle and Tally, so EMI overdue data flows to the CRM in real time and agents always see current outstanding amounts and due dates without manual data entry.

Yes. It supports on-premise, sovereign cloud, and air-gapped deployment to meet the strictest BFSI data security and residency requirements, including institutions under RBI's data localisation mandates.

Lenders typically see reduced Days Sales Outstanding, higher self-cure rates in early delinquency, lower field agent costs through route optimisation, and fewer broken PTPs. Cost of collection for low-risk accounts can fall significantly through digital-first engagement.