rt360 Collections Management System

Collect more. Collect faster. Collect economically.​

From the award-winning rt360 product suite

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Why your organization needs rt360 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 flows 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.

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

Products

rt360 Credit Risk Suite

rt360 Credit Risk suite is powered by AI/ML algorithms, data analytics, configurable workflows, and extensive reporting and dashboarding tools.

rt360 Early Warning System

Always-on to detect early warning signs of incipient credit fraud or stress

rt360 RAROC Calculator

rt360 RAROC Calculator is a product that enables risk-based pricing & capital allocation.

rt360 Collections Management System

Collect more. Collect faster. Collect economically.

rt360 Expected Credit Loss

rt360 Expected Credit Loss is an integral part of the IND AS 109 product suite that helps bank assess any significant increase in credit risk

Brochures

rt360 Credit Risk Suite

rt360 Credit Risk suite is powered by AI/ML algorithms, data analytics, configurable workflows, and extensive reporting and dashboarding tools.

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rt360 Early Warning System

Identify credit risks proactively leveraging end-to-end predictive analytics.

Download Now

rt360 RAROC Calculator

As you focus on credit growth for your bank, capital allocation and pricing is critical to maximizing profitability and driving sustainable growth.

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rt360 Collections Management System

Identify credit risks proactively leveraging end-to-end predictive analytics.

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rt360 Expected Credit Loss

With the introduction of the global International Financial Reporting Standards-9 (IFRS 9) and its equivalent Indian Accounting Standards (IND AS) 109, financial institutions are adopting scientific methods for computing credit losses.

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risk management suite

rt360 is a risk management product suite to manage the entire risk portfolio of banks and financial institutions that includes credit risk, capital allocation, pricing risk, liquidity risk, model risk and operational risk.

rt360 is designed by bankers, risk practitioners and technology specialists with a Business First, Technology Next approach, empowering banks and financial institutions to focus on their credit growth and profitability while managing their risks. The product is fully designed and made in India to address the complexities of the financial sector globally. The suite comprises of five distinct products to manage each of the risk portfolio.

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rt360 product suite