Prioritize the right cases
Use risk segmentation, delinquency movement and behavioral signals to focus virtual and human collection effort where it can have the greatest impact.
AI Collection Management
Saudi Finance ReadyOne operating layer from delinquency data to recovery action.
Risk SegmentationDPD, behavioral signals and recovery likelihood
Smart AllocationRoute cases to AI, agents or supervisors
Virtual CollectorAutomated multichannel customer engagement
Promise-to-PayCapture, track and detect broken promises
Recovery AnalyticsForecast recovery and strategy effectiveness
Legal & AuditEvidence, escalation, reporting and traceability
Collections Intelligence
Move beyond static queues and manual follow-up.
Collections teams often work across disconnected loan systems, spreadsheets, dialers, messages and legal processes. Collections AI brings case allocation, Customer 360, AI recommendations, virtual collection, promise-to-pay tracking, predictive analytics, legal workflow and audit controls into one connected operating layer.
The platform is designed to help banks, finance companies, fintechs and collection teams focus human effort where it matters while automating high-volume, repeatable engagement and control activities.
Core capabilities
Predictive Risk Segmentation
Classify cases by risk profile, DPD movement, behavioral signals and likelihood of recovery so teams can prioritise effort dynamically.
Next-Best-Action Engine
Recommend the appropriate message, timing, channel and intervention based on case context and collection strategy.
Virtual Collector
Automate reminders, conversations and follow-ups across WhatsApp, SMS, email and voice, with human handover when escalation conditions are met.
Promise-to-Pay Management
Capture PTP commitments, monitor due dates, detect broken promises and trigger the appropriate follow-up or escalation workflow.
Agent & Workload Management
Track activities, capacity, queue performance and allocation so supervisors can balance human effort with AI recommendations.
Customer 360 for Collections
Bring products, exposure, payment history, interaction history, behavioral context and risk indicators together for faster agent decisions.
Predictive Recovery Analytics
Forecast recovery by segment, monitor portfolio movement and identify early warning signals when performance is moving off target.
Legal, Reporting & Audit
Manage legal triggers, evidence, action history, role-based traceability and management or compliance reporting from the same operating layer.
End-to-end collection flow.
1Data ingestionCustomer, delinquency, product and payment data
2Risk segmentationAI risk bands, DPD and behavioral signals
3Case allocationAI-first, human-agent or supervisor routing
4EngagementWhatsApp, SMS, email, voice and agent calls
5Promise-to-payCapture, tracking and breach monitoring
6EscalationRecovery, legal, supervisor and audit workflows
7AnalyticsRecovery forecast, performance and compliance
Integration-ready for the financial ecosystem.
Collections AI can ingest and exchange data through APIs, webhooks, batch files and scheduled processing, supporting integration with LOS, LMS, ERP, payment and customer platforms. The operating model is designed for Saudi financial-services environments, including connectivity patterns for ecosystem services such as SIMAH and Sadad where required.
LOS / LMSERPCRMPaymentsSIMAHSadadAPIs / WebhooksBatch Ingestion
AI with measurable governance.
Collection intelligence is not treated as a black box. The platform supports model-performance monitoring, drift alerts, prediction-error analysis and feedback loops from agent overrides, payments, next-best-action outcomes and risk-classification updates.