Prediction to Recovery;
End-to-End Automation with
AI-driven debt collection platform enables Finance companies to predict, identify and automate recovery from delinquent customers. The smart engine predicts delinquencies and recommends proactive outreach strategies for high-risk customers based on their internal transaction data like loan details, credit score, recent income and so on. It also considers external factors like change in weather, industry job loss, GDP, micro and macro-economic events to predict the probability of customer delinquency
Collections Platform automates methodology and frequency of each type of communication with the defaulter, reminding them through text, WhatsApp messages or AI Voice calls for Payments and Promise to Pay commitments, thus reducing the costs and burden on the last mile of collections.
Gini Co-efficent Score
Unseen Recall Accuracy
Seen Recall Accuracy
Three Layer Automation
Mitigate credit loss by predicting defaults even before they take place. Fluid AI engine identifies and predicts possible defaulters based on their historic data, payment schedules, credit ratings, purchasing patterns and liabilities to actively deploy counter-measures to avoid customer delinquency.
Post default, Fluid AI Engine identifies and ranks delinquent customers to determine the right recovery strategy. Based on the delinquency of each default and the cost associated with each communication channel, the AI engine initiates AI conversational follow up customers for payments. In addition, the engine shares a list of daily defaulter with human agents to ensure the highest and fastest number of recoveries.
The AI Conversational Engine is capable of directly communicating defaulters/delinquents through AI-generated voice call, Email, SMS or WhatsApp and Messenger bots, allowing Finance companies to increase the number of defaulters they’re able to reach for recovery without bearing additional human intervention or costs.