Our Process
A highly systematic, RBI-compliant, and data-driven approach to debt recovery and portfolio management.
Onboarding & Analysis
Upon receiving the portfolio, our analytics engine segments the data based on vintage, risk profiling, and demographic parameters. We establish secure data pipelines and allocate accounts to specialized buckets.
Tele-Intervention & Soft Contact
Our multilingual telecalling team initiates first contact using predictive dialers. Focus is strictly on soft-reminders, empathy-driven counseling, and securing early Promise-To-Pay (PTP) commitments.
Field Investigation & Tracing
For uncontactable or hard-bucket cases, our DRA-certified field executives perform physical address verifications. Advanced digital skip-tracing is deployed for absconding borrowers.
Negotiation & Settlement
We facilitate structured negotiations between borrowers and the institution. Our agents arrange viable repayment schedules, conduct asset inspections, and coordinate official settlement agreements.
Legal Enforcement (If Required)
When voluntary compliance fails, our legal panel initiates appropriate actions. This includes issuing notices under SARFAESI, Section 138, Arbitration, and managing DRT representations.
Recovery & Reporting
Funds are recovered directly to the institution's nodal accounts. We provide real-time live dashboards, MIS reports, and zero-defect audit trails to conclude the portfolio lifecycle.
Experience Flawless Execution
Let us integrate our proven recovery process into your non-performing portfolios.