rt360 Collections Management System

Streamline debt collection and recovery

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Streamline loan collection and recovery with efficient collections management system

Underwriting a loan is just the first step. A borrower’s debt servicing capacity remains vulnerable to changes in business cycles, income, and cash flow levels throughout the credit lifecycle. With a multitude of factors playing into it, the average collections rate in the banking industry is currently pegged below 20% – the lowest in two decades. It has never been more important to stay ahead of the curve. But the biggest challenge of all? Lack of structured collections approach, technological capabilities, and automated processes, making it difficult to efficiently collect payments.

Unlock your institution’s full collection potential and increase resolution rates cost effectively with advanced technology enablement that underpins a robust collections strategy. Say goodbye to rudimentary systems and hello to a streamlined, automated collections solution that leverages the power of advanced AI/ML analytics. Prioritize your strategies, communicate effectively with customers, and stay on top of collections with comprehensive dashboarding and reporting.

Key Functionalities

Prioritization & bucketing for targeted actions

Prioritization & bucketing for targeted actions

Achieve efficient collections with configurable prioritization rules, exception handling, and AI/ML- based detection of self-cures and early payers.

Granular collections planning and tracking

Granular collections planning and tracking

Streamline collections planning with a user-friendly UI, customer- and collector-wise target setting, configurable approval workflow, and on-the-spot decision-making with audit trails.

Effective collection strategy

Effective collection strategy

Optimize your collections strategy with recommendation engine, integrations to SMS/e-mail/payment gateways, customizable dunning letters, activity tracking, and centralized document repository.

Insightful collection analytics & reporting

Insightful collection analytics & reporting

Gain insights and monitor performance with consolidated portfolio views, roll rates, forward flows and other delinquency trends, efficiency reports, best time to call metrics, and PTP vs. collection variance analysis.

Functional decomposition and application mobility

Functional decomposition and application mobility

Experience seamless deployment and scalable, automated solutions with flexible modular deployment options, microservices-based architecture, open APIs, and data extraction bots.
28309

Prioritization & bucketing for targeted actions

28309

Prioritization & bucketing for targeted actions

Achieve efficient collections with configurable prioritization rules, exception handling, and AI/ML- based detection of self-cures and early payers.
28310

Granular collections planning and tracking

28310

Granular collections planning and tracking

Streamline collections planning with a user-friendly UI, customer- and collector-wise target setting, configurable approval workflow, and on-the-spot decision-making with audit trails.
28312

Effective collection strategy

28312

Effective collection strategy

Optimize your collections strategy with recommendation engine, integrations to SMS/e-mail/payment gateways, customizable dunning letters, activity tracking, and centralized document repository.
28313

Insightful collection analytics & reporting

28313

Insightful collection analytics & reporting

Gain insights and monitor performance with consolidated portfolio views, roll rates, forward flows and other delinquency trends, efficiency reports, best time to call metrics, and PTP vs. collection variance analysis.
28311

Functional decomposition and application mobility

28311

Functional decomposition and application mobility

Experience seamless deployment and scalable, automated solutions with flexible modular deployment options, microservices-based architecture, open APIs, and data extraction bots.

Benefits

Reduction in bad-debts write-off
Higher collection efficiency
Effective customer engagement
Focus on growth
Lowest TCO


On the go tracking, planning, decisioning, dashboards and reports, along with regional language enablement

Value Proposition

Business first, technology next approach

Business first, technology next approach

Domain expertise and proven experience (OEM+SI) under one roof

Domain expertise and proven experience (OEM+SI) under one roof

Seamless integration with upstream and downstream systems

Seamless integration with upstream and downstream systems

Ready-to-use and cloud-ready solution with minimum effort for deployment

Ready-to-use and cloud-ready solution with minimum effort for deployment

Flexible commercials and deployment models

Flexible commercials and deployment models

Business first

Business first, technology next approach

Domain-Expertise

Domain expertise and proven experience (OEM+SI) under one roof

Seamless-Integration
Seamless integration with upstream and downstream systems
CloudReadySolution

Ready-to-use and cloud-ready solution with minimum effort for deployment

Flexible commercials

Flexible commercials and deployment models

Products

rt360 Credit Risk Suite​

A transformative product suite powered by AI/ML algorithms, data analytics, configurable workflows, and extensive reporting and dashboarding tools.

rt360 Early Warning System

Comprehensive, always-on early warning indicators powered by AI/ML to help bankers identify potential default, stress or fraud.

rt360 RAROC Calculator

Accurately assess customer profitability while making credit pricing decisions for RAROC calculation thereby increasing credit growth.

rt360 Collections Management System

Unlock your full collection potential and increase resolution rates cost effectively with advanced AI/ML technology that underpins a robust collections strategy.

rt360 Expected Credit Loss

Compute Expected Credit Loss as per regulatory, IND AS 109 guidelines, while addressing requirements such as PIT PD, and macro-economic factors.

rt360 Real Time Monitoring System

Enhance fraud detection and prevention with real-time monitoring, and facilitate proactive and preemptive actions.

Brochures

rt360 Credit Risk Suite

Get sustainable growth and maximized profitability powered by AI/ML algorithms, data analytics, configurable workflows, and extensive reporting and dashboarding tools.

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rt360 Early Warning System

Stay alert, efficient and profitable by identifying credit risks proactively and leveraging end-to-end predictive analytics.

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rt360 RAROC Calculator

Ensure dynamic risk-based pricing and efficient capital allocation with focus on maximizing profitability and driving sustainable growth.

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rt360 Collections Management System

Identify credit risks proactively, collect more, economically and at an accelerated pace by leveraging state-of-the-art predictive analytics.

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rt360 Expected Credit Loss

Recognize expected change in credit risk and onboard a framework to manage forward-looking credit loss. Adopt proven, scientific methods for computing credit losses.

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rt360 Real Time Monitoring System

Prevent frauds, monitor high-value, high-risk financial transactions in real/near-real-time. Get timely alerts that facilitate proactive and preemptive follow-up actions.

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risk management suite
BCT Digital’s rt360 risk management product suite transforms the world’s leading enterprises, drawing on the strengths of next-generation technologies, sophisticated AI/ML models, data-driven algorithms, and predictive analytics. Its revolutionary Fintech, Regtech, and SustainTech solutions help enterprises optimize their core governance, risk, and compliance processes, enabling them to augment their positioning and go-to-market capabilities.

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