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Book Demo
Opus Logo
Book Demo

Data driven
digital collection

Our AI-powered platform transforms digital collections with data-driven insights and automation. Optimize recovery, cut costs, and deliver a better customer experience.
AI-Driven Collections
Use AI to create segmentation and strategies to improve collection efficiency

Incidental Defaulter

Lower bucket

Temporary financial distress / exceptional external circumstance

Primary intervention:

  • Digital reminders via SMS / IVR
  • Messaging on bureau score & future borrowing
  • Remind customer of prior good standing

Offers:

Offers a relief period

Refuse to Pay (RTP)

Higher bucket • 90+ DPD

Low digital engagement — no response to IVR/SMS/WhatsApp

Primary intervention

  • Outbound calling & field visits
  • Soft legal campaigns — explain next steps
  • Combined digital + field outreach

Offers:

No offers
Lower bucket
Incidental Defaulter
Temporary financial distress / exceptional external circumstance
Primary intervention:
  • Digital reminders via SMS / IVR
  • Messaging on bureau score & future borrowing
  • Remind customer of prior good standing
Offers:
Offers a relief period
Higher bucket • 90+ DPD
Refuse to Pay (RTP)
Low digital engagement — no response to IVR/SMS/WhatsApp
Primary intervention:
  • Outbound calling & field visits
  • Soft legal campaigns — explain next steps
  • Combined digital + field outreach
Offers:
No offers
Higher bucket • 90+ DPD
Refuse to Pay (RTP)
Low digital engagement — no response to IVR/SMS/WhatsApp
Primary intervention:
  • Outbound calling & field visits
  • Soft legal campaigns — explain next steps
  • Combined digital + field outreach
Offers:
No offers
AI Powered
Digital suite
AI written campaigns with higher engagement and collection improvement
Smart Targeting
Persona-driven Messaging Strategy
Persona based messages, channel, frequency, timing. Continuous ML-led evolving models basis customer tests
Trusted Oversight
Optimal operating model control
Control outcomes by keeping critical elements in-house. Close monitoring and review mechanism
38%+
higher engagement
AI Insights
Customisable dashboards
AI led dashboards, easy to understand customer dashboard and reports for insights and improving performance
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