Connect the relevant context
- Loan and repayment history
- Promise-to-pay records
- Field visit completion
- Branch and risk segments
← All machines Example operating model
Collections
Improve recovery from overdue accounts. Collections teams need to decide which account needs attention, why, and which intervention is likely to help. This machine works from customer, loan, repayment, field visit, and branch context.
Primary measureCollection rate
Example signalBroken promises to pay increase
Possible decisionChange contact strategy or assign a visit
The operating path
From context to action.
The details below describe a possible configuration. Thresholds, access, policies, and measurement windows are set with your team.
Find signals worth attention
- Roll-forward rate rises
- Promise to pay is broken
- High-value overdue accounts have no completed visit
Recommend a next action
- Prioritize an account for contact
- Assign a field officer or escalate to a branch manager
- Review a change in contact or settlement strategy
Governed execution
People stay accountable for the decision.
These are example controls to configure with your team. Each proposal should carry its evidence, policy check, approver, decision, and outcome plan in an inspectable record.
A collections or branch operations owner approves account reassignment and customer-facing interventions.
Account contact and reassignment follow approved customer-treatment rules, role permissions, and capacity limits.
No customer-facing workflow starts. The owner records the reason and can request a different intervention.
Track collection rate, promise-to-pay kept rate, and recovery per intervention against a baseline for the same account segment.
Start with one outcome
Make this model yours.
Bring your goal and operating context. We'll map the measure, key decisions, data, and a first deployment path together.