A predictive EWS that continuously monitors customer behaviour, portfolio health, collateral and channel signals to surface risk weeks ahead of Days Past Due. Designed to convert signals into prioritized actions, operational workflows, and measurable reductions in loss and false alerts.
An effective EWS must do three things: detect early, prioritize correctly, and force remedial action. This solution combines deterministic rules, behavioural models, and supervised ML with an auditable workflow layer so alerts become enforceable work items.
Risk signals are combined into weighted scores and ranked queues. Collections and recovery teams receive a short, prioritized worklist that shows predicted risk, key contributing signals, and recommended next action. Includes escalation to supervisors and audit-ready disposition recording.
Thresholds, score weights, segment cut-offs, and overrides are configurable per product, branch, or dealer so the system follows your governance and tolerance levels.
A complete library of signals spanning payment behaviour, collateral health, device intelligence, and partner risk patterns.
Days-to-due trend, partial payments, bounce/NSF alerts, utilisation spikes, payment channel anomalies, missed reminders, complaints and churn indicators.
Policy expiry and coverage gaps, low valuation flags, repo and recovery history, and collateral location integrity checks.
Device fingerprint changes, SIM swaps, risky location scoring, geofence breaches, travel anomalies, and travel velocity checks.
Partner score degradation, dispute and chargeback rates, abnormal sales velocity, and regional concentration risk.
Probability of Default (PD) models, behavioural decays, SHAP or feature contribution explanations, ensemble blending, and drift detection with retraining triggers.
Weighted composite scores, dynamic cut-offs by segment/product, severity bands, and manual override with audit trail.
Promise-to-pay outreach, payment links and one-click settlements, restructure offers, prioritized field visits, legal/repo triggers, and conditional hold on new credit.
Auto-assign to teams, SLA timers, escalation paths, blackout windows, and inbox/WA/dialer integration.
Full case lifecycle: notes, attachments, dispositions, follow-ups, evidence capture, and immutable audit trail.
Risk heatmaps, lead time metrics, precision/recall, true positive ROI, action outcomes, and segmented trend views.
Champion/challenger strategy tests, control groups, uplift measurement, and statistical confidence reporting.
LMS/collections, dialer/WhatsApp, payment gateway/virtual accounts, insurer and GPS providers, SSO and BI/data warehouse.
A production-ready suite covering signal collection, scoring, operational workflows, monitoring, and governance.
Connector library for streaming and batch sources, validation, enrichment, and unified customer-contract timeline. Integrates with LMS, payment gateways, collections, insurer APIs, GPS/device SDKs, and customer service systems.
Rule engine plus ML scoring with explainability, ensemble support, and segment-specific calibration.
Task generation, collector assignment, SLA enforcement, and built-in playbooks mapped to severity bands. Supports auto-create collection tasks, freeze exposure, trigger field visits, escalate to supervisors, and record audit-ready dispositions.
Structured case forms, document upload, visit logs with location/time stamps, and disposition templates.
Drift monitors, performance dashboards, retrain pipelines, and versioned models with approval workflows.
Standard reports for audit, regulator-ready exports, and customizable KPI exports for management.
Reduce NPF by surfacing deterioration early, lower operating expense through automation, improve recovery rates with prioritized actions, and produce measurable ROI from true-positive interventions.
REST/JSON APIs and webhooks for real-time sync, secure file exchange for legacy systems, SSO and role-based access, and on-prem or cloud deployment models.
We configure a pilot to match your signals, thresholds, and playbooks so you validate impact before full rollout.