Rayterton Collection & Recovery Management

About Rayterton Collection & Recovery Management

Rayterton Collection & Recovery Management provides end to end operational control over the recovery lifecycle. Instead of fragmented tools for dialer, field, payment, and reporting, the platform orchestrates all recovery activities inside one structured workflow. By centralizing account queues, collector actions, field visits, payment conversion, and accounting reconciliation, organizations gain real time visibility into performance, reduce operational leakage, and improve recovery yield.

End to end Operating Story

The platform orchestrates the full recovery lifecycle: Segmentation → Campaign Contact → Promise to Pay → Payment Conversion → Field Escalation → Repossession → Accounting → Performance Analytics. A unified recovery pipeline ensures that digital collection, field execution, and financial recording operate from the same data foundation. Built in compliance and audit layers guarantee traceability of every action.

Segmentation & Queues

The Segmentation & Queues module organizes incoming portfolios into prioritized operational queues. Accounts are classified by risk, delinquency stage, and behavioral patterns to ensure collector focus is aligned with recovery impact. This module reduces random chasing and replaces it with structured prioritization.

Contact Center Campaigns

The Contact Center Campaign module centralizes dialer, WhatsApp, SMS, and email communications. Campaign execution, scripts, and outcomes are logged in real time, ensuring consistent engagement strategy. Collectors operate inside a campaign engine rather than manual calling.

Promises to Pay (PTP)

The PTP module captures, monitors, and enforces payment commitments. It tracks due promises, broken commitments, and follow up actions, transforming verbal agreements into measurable recovery controls. PTP performance becomes a monitored KPI instead of guesswork.

Disputes & Complaints

This module isolates disputed accounts into a structured resolution workflow. Evidence tracking, SLA timers, and regulatory documentation protect operational pipelines from disruption. Disputes are managed without stopping recovery operations.

Restructures & Settlements

The Restructures & Settlements module supports installment restructuring, discount settlements, and approval flows. Negotiations are simulated financially before approval, ensuring recovery decisions are data driven. Every restructure is traceable and policy aligned.

Field Collection App

The Field Collection App extends the system to on ground collectors. GPS routing, visit proof, and offline capture ensure field operations remain visible and auditable. Field activity is no longer a black box.

Repossession Workflow

The Repossession module manages asset recovery through structured case handling. Vendor coordination, towing status, and storage tracking ensure hard recovery is documented and controlled. Asset handling becomes systematic rather than ad hoc.

Payment Links & Virtual Accounts

The Payment module converts negotiations into immediate transactions. Payment links and virtual accounts enable instant settlement while auto reconciliation updates account balances in real time. Friction between agreement and payment is removed.

Charges & Accounting

This module records fees, reversals, and accounting journals automatically. Financial entries sync with GL systems, ensuring recovery activity reflects directly in official books. Operational recovery and accounting stay aligned.

Dashboards & KPIs

Executive dashboards provide real time recovery visibility. Cure rates, productivity metrics, and cost to collect indicators enable performance driven management. Leadership sees impact instantly.

Compliance & QA

The Compliance module enforces communication rules, consent tracking, and QA monitoring. Audit trails capture every action for regulator readiness. Compliance is embedded into execution.

Integrations & Consent Management

The Integration Control Hub connects the platform to the ecosystem. Additionally, the Consent and Privacy Management module supports management of customer communication preferences and privacy related requests. It enables tracking of channel consent, consent history, and privacy request logs, helping banks support compliant communication and data handling practices.

Glossary

• API (Application Programming Interface): A technical interface that allows different systems to securely connect and exchange data automatically.
• BPI (Business Process Improvement): A structured method to analyze and improve how a company's operational processes work to become faster and more efficient.
• CRM (Customer Relationship Management): A system used to manage customer data, communication history, and operational activities in one centralized platform.
• CR (Change Request): A formal request to modify or adjust a system after implementation, usually related to customization or additional features.
• DPD (Days Past Due): A measurement showing how many days a payment is overdue.
• GL (General Ledger): The main accounting record where all financial transactions of an organization are officially stored.
• KPI (Key Performance Indicator): A measurable value used to evaluate performance and success of operational activities.
• PTP (Promise to Pay): A recorded agreement from a customer committing to pay a specific amount on a specific date.
• QA (Quality Assurance): A monitoring process to ensure operational activities follow company standards and procedures.
• SLA (Service Level Agreement): A defined time target or performance standard that must be met during service or operational handling.
• VA (Virtual Account): A temporary or dedicated payment account number used to automatically identify and reconcile incoming payments.