collect.ezee
Maximize Recovery with
Agentic AI-Driven Debt Collections
100% No code. Launch in Days.
Reduce NPAs and operational drag. Use autonomous AI to execute repayment discussions and configure personalized debt management plans instantly without writing code.
From Action to Settlement, Everyone Moves in Sync.
CXOs & Business Strategists
Portfolio health, ROI dashboards, strategy design.
Collection Head & Risk Teams
Compliance oversight, audit trails, performance insights.
Collection Managers
Campaigns, allocation, team monitoring.
On-Field Collection Associates
Geotagged visits, guided workflows, payment capture.
Recovery Agencies & DCAs
Unified dashboards, incentive tracking, SLA monitoring.
Borrowers (End Customers)
Self-service repayment, empathetic digital reminders.
Five Stages. One System.
End-to-End Coverage.
From early warning to loss recovery — collect.ezee covers the entire lifecycle in one platform.
Customer Due-Diligence
Continuous monitoring using internal and external data.
Proactive Delinquency
Predict possible default. Smart nudges to prevent slippage.
Revenue & Digital Collection
Move revenue collection into digital channels with customer focus.
Overdue Collections
Single system for full team oversight and performance monitoring.
Loss Recovery & Legal
Debt selloff, write-offs, and legal recovery including external parties.
Everything Your Collection Operations Need
Digital Collections
Call, SMS, Email, WhatsApp, auto-dialler, template studio, digital payment.
Field Collections
Agent dashboard, location tracker, smart allocation, account 360 view.
Collections Core
Batch integration, decision rules, campaigns, strategy builder, allocation engine.
Analytics & Intelligence
Delinquency analysis, PTP/RPC trends, champion challenger, performance dashboards.
Legal Workflow
SARFAESI, e-Courting, settlement, possession, auction — end-to-end.
AI/ML Engine
RCI, RTI, Sentiment, Tonality, Voice Agent, Transcript Analysis.
Six AI Models That Make Every Interaction Smarter
AI decides who to contact, when, on which channel, and in what tone. While the voice agent handles conversations autonomously.
RCI — Right Channel to Interact
Analyzes interactions to recommend the highest-response channel per borrower.
RTI — Right Time to Interact
Evaluates response patterns to determine optimal contact timing. Reduces retries.
Sentiment Analysis
Classifies borrowers as cooperative, neutral, or resistant. Enables risk-based profiling.
Tonality Recommendation
Suggests soft-to-legal tone based on sentiment and interaction history.
Collect AI Voice Agent
Autonomous voice agent — understands intent, captures PTPs, adapts across languages.
Transcript Analysis
Analyses agent transcripts. Flags compliance issues. Auto-generates documentation.
From Reactive Chasing to Intelligent Recovery
Seven levers that move your operations from DPD-based to micro-segmented, AI-guided execution.
Micro-Segmentation
Segment by intent, ability, and engagement — beyond standard DPD.
Communication Strategy
Right place, right time, right channel, right nudge per borrower.
Frontline Capabilities
Contextual insights, next-best-action prompts, self-guided discussions.
Treatment Choices
Drag-and-drop adaptive workflows for every scenario.
Multi-Persona Support
Purpose-built interface for every role in your collection hierarchy.
Performance Management
Real-time KPIs, target tracking, deviation alerts across zones.
Make Every Collection Strategy Bulletproof with Data
Your collection leadership needs more than reports. They need real-time visibility into what is working, what is failing, and where to intervene – before portfolio quality deteriorates.
Delinquency Analysis
Track slippage patterns across DPD buckets, products, zones, and time periods. Spot portfolio deterioration early.
PTP Conversion & Broken PTP Tracking
Monitor promise-to-pay commitments, kept vs broken ratios, and follow-up effectiveness across campaigns.
RPC/NRPC & Contact Effectiveness
Right party contact rates, non-contact reasons, channel-wise pickup rates, and retry optimisation data.
Roll Forward & Resolution Trends
Track how accounts flow between DPD buckets month-over-month. Identify which segments resolve and which escalate.
Agent & Zone Performance Boards
Cumulative scores, target vs achieved, worked accounts %, and zone-level drilldowns — West, South, East, North.
Executive Dashboards & Custom Reports
Portfolio health at a glance for CXOs. Report designer for custom views. 45+ pre-built KPIs across the collection lifecycle.
See How This Works for Your Portfolio
Your Field Team Works Smarter on the Ground
Geotagged Field Visits
Every visit timestamped and location-verified. Managers see real-time progress.
Guided Mobile Workflows
Step-by-step scripts, disposition capture, and next-best-action prompts.
On-Spot Payment Capture
Accept payments in the field. Instant receipts and real-time CRM updates.
Account 360° View
Borrower profile, sentiment, delinquency history, collateral — all in one screen.
Motivate Teams. Test Strategies. Scale What Works.
Give agents a reason to outperform. Give managers proof of which strategy wins — before scaling.
Badges & Achievements
Master Payment, Trailblazer Call, Hero PTP — peer-visible recognition.
Contests & Leaderboards
Individual and team contests with reward points and live tracking.
Champion Challenger
A/B test strategies on matched segments. Compare outcomes. Promote winners.
Performance Scorecards
Cumulative scores, target vs achieved, roll forward %, resolution %.
Transparent Goals. Automated Payouts. Full Legal Coverage.
Zone-Based Targets
Set targets by zone, branch, product, or campaign. Track at every hierarchy level.
Incentive Automation
Slab-based schemes tied to recovery outcomes. Auto-calculate payouts with approval workflows.
Show Cause & SARFAESI
Generate notices, manage Section 13(2)/(4), track possession proceedings.
e-Courting, Settlement & Auction
Track case status, hearings, court orders. Manage OTS, restructuring, auction, and NOC closure.
Enterprise Security & Compliance
Meeting the most stringent regulatory requirements while enabling innovation
ISO 27001:2022
SOC 2 Type II
AES-256
GDPR Ready
RBAC
Deploy Your Way
SaaS
Cloud
On-Prem
Hybrid
Trusted by 100+ Banks & NBFCs Across Segments
9/28 RRBs in India Run on ezee.ai
Trusted. Proven. Recognized.
Real Implementations, Real Results
See how leading financial institutions launch credit products with unprecedented speed using ezee.ai
Legacy Collection Tools vs. collect.ezee
| CAPABILITY | LEGACY / POINT SOLUTIONS |
|
|---|---|---|
| Segmentation | Standard DPD buckets | AI micro-segmentation by intent + behaviour |
| Contact Timing | Manual scheduling | AI-predicted optimal time (RTI) |
| Channel Selection | One-size-fits-all | AI recommends best channel (RCI) |
| Voice Collections | Manual calls only | AI Voice Agent — autonomous, multilingual |
| Sentiment | None | Real-time classification + tone guidance |
| Field Ops | Spreadsheet-based | Mobile app — geotagged, guided |
| Strategy Testing | No A/B | Champion Challenger — live comparison |
| Legal | Separate system | Built-in SARFAESI, e-Courting, auction |
| Agent Motivation | Spreadsheet targets | Gamification — badges, contests |
| Compliance | Partial logging | 100% audit trail, timestamped |
The Full Credit Lifecycle. One Unified Ecosystem.
ORIGINATE
AI + No-Code LOS
Capture leads, run KYC, build journeys. 12 AI agents.
DECIDE
AI-Powered BRE
Author rules in minutes.
Sub-100ms. Audit-ready.
MANAGE
Servicing & Lifecycle
Real-time servicing.
Multi-product. NPA-ready.
RECOVER
Agentic AI Recovery
Predict, engage, resolve. Autonomously at scale.
20+ Loan Products. One Ecosystem.
ezee.ai in news
Lending Innovation, Explained Simply
Insights from the frontlines of digital lending transformation.
Frequently Asked Questions
What is debt collection software and how does it change the recovery process compared to manual methods?
Debt collection software automates reminders, payments, and debtor tracking, replacing manual spreadsheets and calls that cause delays and errors. It cuts team time on routine tasks while boosting recovery rates through scheduled follow-ups on overdue loans. Manual methods falter at scale, but software handles high volumes consistently, as seen in lenders prioritizing delinquent accounts automatically.
How does debt collection software help organizations comply with consumer protection and debt recovery regulations?
Debt collection software automates checks for call limits, disclosures, and debt validation to meet RBI Fair Practices Code and FDCPA rules. It logs every interaction for audits, reducing violation risks on borrower communications during collections. Agencies using these tools align with regulations like non-coercive reminders, avoiding penalties noted in CFPB reports.
What role does workflow automation play in improving debt collection outcomes?
Workflow automation triggers sequenced reminders and payment plans on overdue personal loans, slashing manual errors. It boosts recovery rates up to 65% via AI-driven prioritization of high-risk accounts in lending portfolios. Lenders see faster TAT on collections without staff overload.
How do organizations evaluate debt collection platforms for compliance, recovery efficiency, and operational scale?
Organizations prioritize platforms with automated compliance checks, recovery KPIs like 60-70% rates, and scalability for high-volume receivables. They test integrations for real-time dashboards and audit trails during pilots on loan delinquencies. Vendor reputation and regulatory history guide shortlists for financial institutions.
What criteria do regulated institutions use when shortlisting debt collection software vendors?
Regulated institutions shortlist vendors excelling in RBI/FDCPA compliance, data security, and customizable workflows for credit bureau-linked recoveries. They demand proven recovery metrics and omnichannel support without past violations. Technology adoption and performance KPIs seal decisions for scaled operations.
Which industries and organization types typically rely on enterprise-grade debt collection software?
Banks, NBFCs, fintech lenders, and utilities rely on debt collection software when recoveries must scale under regulatory scrutiny. These sectors manage high account volumes and consumer protection mandates, where automated prioritisation improves cure rates by 15 to 20 percent per Experian.
How are SMS, email, voice, and digital channels coordinated within debt collection software?
Software orchestrates channels via omnichannel workflows, syncing SMS reminders, email notices, and voice IVRs based on debtor response during loan recovery. It respects contact limits per RBI guidelines, prioritizing preferences like WhatsApp for payments. Real-time tracking ensures seamless escalation.
How does debt collection software integrate with accounting, CRM, or core financial systems?
It syncs via APIs for real-time updates on payments and debtor status from CRM to accounting ledgers in loan servicing. This eliminates duplicate entries when collections data flows to core banking for disbursal reversals. Automated reconciliations speed cash flow visibility.
What security, audit, and access controls are expected in debt collection software deployments?
Expect role-based access, data encryption, and full audit trails logging every collections interaction for RBI compliance reviews. Regular penetration tests identify vulnerabilities in borrower data handling. Centralized storage ensures secure scalability.
How do analytics and reporting features in debt collection software support recovery strategy decisions?
Analytics dashboards track KPIs like recovery rates and debtor response times, guiding prioritization of overdue MSME loans. Real-time insights reveal patterns, such as channel effectiveness in collections. Lenders adjust strategies quarterly for 60-70% targets.
Is Your Collections Stack Ready for What's Next?
Each "yes" is a sign your current setup may be holding you back.
Select the statements that apply to your institution.
Lead the Next Wave of Intelligent Collections
See collect.ezee with your portfolio, your segments, your compliance requirements.