04 · AURA — Collections

Scale collections effortlessly. Stay compliant.

AURA automates and optimizes the entire debt recovery process — combining advanced analytics, automated workflows, and compliance monitoring so you scale collections without scaling headcount.

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Position in the lifecycle
01AcquireLUMA02DecideGreyCells03ConnectNOVA04EngageVISTA05RecoverAURA
Shared memoryMIND
80%
Lower operational cost
45%
Better recovery rates
100%
Regulatory compliance
10x
Scale, same team

The challenge

Collections are stuck in the past.

Manual calls, inconsistent nudges, and missed follow-ups. Borrowers slip away, recovery costs shoot up, and compliance is left to chance.

AURA solves this. It automates the entire journey — from WhatsApp reminders to AI calls and human escalations — so you recover more, spend less, and stay compliant effortlessly.

Capabilities

Core capabilities

Automated Case Assignment & Prioritization

Intelligent case prioritization and assignment based on debt age, amount, customer profile, and agent expertise for optimal recovery outcomes.

Real-Time Performance Monitoring

Live performance tracking with comprehensive analytics on recovery rates, agent productivity, and collection efficiency across all channels.

Compliance Tracking & Regulatory Adherence

Automated regulatory adherence monitoring with audit trails, ensuring 100% compliance with RBI guidelines and fair practices code.

Intelligent Workflow Automation

End-to-end automation of collection workflows including reminders, escalations, payment tracking, and settlement processing with visual workflow builder.

Comprehensive Reporting & Insights

Detailed insights and analytics with customizable dashboards, recovery forecasting, and performance benchmarking across portfolios.

Multi-Channel Communication Management

Unified communication management across voice, SMS, email, and WhatsApp with automated follow-ups and personalized messaging.

Dashboard

Collections overview, in one place

Monitor portfolio performance and manage collections workflow with real-time insights and comprehensive analytics.

AURA Collections Overview Dashboard

Portfolio Metrics

  • Track Portfolio O/S, Delinquent O/S, and recovery rates
  • Monitor PTP Kept %, RPC %, and roll-rate metrics
  • View DPD distribution across buckets with visual charts

Recovery Analytics

  • Real-time recovery tracking with MTD and daily metrics
  • Compare automation vs human recovery performance
  • Analyze trends and identify improvement opportunities

Workflows

Automated collections workflows

Create and manage collection workflows with a visual automation builder. Set up triggers, actions, and conditions to automate your entire collections process.

AURA Collections Workflow Builder

Visual Workflow Builder

Design complex collection workflows with drag-and-drop interface. Set up automated triggers, multi-step actions, conditional logic, and payment verification.

Loan Due Trigger

01

Automatically detect upcoming loan EMI dues (1-5 days) via webhook integration and trigger collection workflows based on customer segments and risk profiles.

WhatsApp Reminder

02

Send personalized WhatsApp messages with payment links, EMI details, and easy payment options. Track delivery and read receipts in real-time.

Wait & Payment Check

03

Pause workflow for 24 hours, then automatically verify if payment has been made. Branch workflow based on payment status for appropriate next actions.

Smart Follow-Up

04

If no payment received, automatically escalate with firmer tone WhatsApp follow-up or assign to human agent. Close case when payment is confirmed.

Analytics

Workflow management & analytics

Monitor and optimize your collection workflows with comprehensive analytics on success rates, usage patterns, and average recovery per workflow.

AURA Workflow Management

Workflow Library

Manage all collection workflows from a centralized library. Track usage, success rates, and average recovery for each workflow template.

Performance Tracking

Monitor workflow performance with detailed analytics on execution count, success rate, and recovery amount per successful case.

Optimization Insights

Identify high-performing workflows and optimize underperforming ones with AI-powered recommendations and A/B testing capabilities.

Campaigns

AI-powered campaign management

Launch targeted bulk reminders and settlement nudges with AI-suggested high-impact segments. Track campaign performance with detailed delivery, click, and payment metrics.

AURA Campaign Management

AI-Suggested Campaigns

  • Automatically identify high-value segments (DPD 90+, High Exposure)
  • AI recommends optimal timing and messaging for each segment
  • Predict campaign success rate before launch

Campaign Analytics

  • Track delivery %, click %, and paid % for each campaign
  • Compare manual vs AI campaigns performance
  • Monitor campaign ROI and recovery impact

Outcomes

Transform your collections operations

AURA delivers measurable results across all key metrics, helping you recover more while spending less.

80%
Cost reduction

Reduce operational costs through intelligent automation and workflow optimization.

45%
Higher recovery

Improve recovery rates with AI-driven strategies and optimal timing.

100%
Compliance

Ensure complete regulatory adherence with automated monitoring and audit trails.

10x
Scalability

Scale operations without proportional increases in staffing costs.