Replace ad-hoc chasing with structured, AI-assisted collections. Know who is most likely to pay, reach borrowers early on the right channel, let an AI voice agent make the first call, and escalate only when it is fair to.
Collections often fail not because borrowers refuse to pay, but because lenders rely on rigid processes, badly timed reminders and disconnected channels. Generic tools ignore context and escalate too late, which means missed repayments, damaged trust and lower recovery.
Collections Management puts structure around the process. It layers clear logic on top of your repayments, coordinates engagement across channels, and lets your team act early, so recovery becomes a controlled and respectful routine instead of a scramble.
A look at the collections management screens your team would use. The names and figures are made up for illustration.
| Client | Score | Best channel | Why |
|---|---|---|---|
| Mary Banda | 82 | Paid on time 3 of 4, answers messages | |
| Peter Zulu | 71 | SMS | Part-paid last month |
| Chanda Mwila | 55 | No contact yet | |
| Grace Mulenga | 38 | Phone call | Two missed promises |
| Client | Outcome | Length | Callback |
|---|---|---|---|
| Peter Zulu | Promised to pay Friday | 1:42 | - |
| Grace Mulenga | Asked for a call back | 0:58 | Callback due |
| Chanda Mwila | No answer | 0:20 | - |
| Client | Amount | Promised | Status |
|---|---|---|---|
| Mary Banda | K 1,200 | Fri 8 Nov | Due today |
| Peter Zulu | K 2,450 | Wed 6 Nov | Kept |
| Grace Mulenga | K 860 | Mon 4 Nov | Broken |
| Chanda Mwila | K 3,100 | Sat 9 Nov | Scheduled |
Everything from the first reminder to the final recovery step.
Each reminder carries a secure link, so the borrower can pay in a moment, from the phone they are already holding.
Payments are secure and posted to your loan at once
The AI voice agent calls a borrower who is a few days late, confirms a payment date and logs the conversation, so your team can read exactly what was said and act on any callback.
AI agentGood afternoon, this is the assistant calling for Your Lender about your loan. Am I speaking with Peter?
BorrowerYes, speaking.
AI agentThank you. Your instalment of K2,450 was due on Wednesday. Can you tell me when you will be able to pay it?
BorrowerI get paid on Friday, I will pay then.
AI agentThank you Peter. I have noted Friday and we will send a payment link that morning. Is there anything else I can help with?
BorrowerNo, that is fine.
When a borrower is struggling, an officer can review the history and agree a repayment plan, all on the record.
One clear path, the same every time.
Ethical collections are built into how the logic works: when borrowers are contacted, what is said, and how escalation happens. They are not a policy added afterwards.
Respectful timingBorrowers are contacted at appropriate times, not at all hours.
Transparent communicationClear messages with a clear next step every time.
Graduated escalationSteps follow the borrower's circumstances, not a fixed calendar.
Hardship handled by peopleBorrowers in difficulty are passed to an officer with the full history.
Complete recordsEvery contact and outcome is logged for review and audit.
Protects your reputationConsistent, fair treatment that customers remember.
Explainable scoresYou can see why each loan was scored the way it was, so nothing is a black box.
Calls on recordEvery AI call is logged with its outcome, length and any callback requested.
Your rules decideThe AI works inside the strategy and limits you set. It does not change your policy.
Short answers to what lenders ask us about collections management.
You can agree payment dates, repayment plans and promises to pay, and give borrowers secure payment links for mobile money or card. Each arrangement sits on the loan with its history.
By reaching borrowers early, on the channel they respond to, with messages that fit their situation. Reminders, follow-ups and escalation steps run automatically, so nothing is missed and effort goes where it works.
Respectful and graduated. Borrowers are contacted at appropriate times, messages are clear about the next step, and escalation follows their circumstances. Hardship cases go to a person with the full history.
In three places. An AI voice agent can make outbound calls and log the outcome, the length of the call and any callback the borrower requests. A payment-likelihood score ranks overdue loans and suggests the channel each borrower is most likely to answer. And an AI assistant can answer borrowers on WhatsApp and other channels. Your team stays in charge of strategy and of every hardship case.
Each overdue loan gets a score from 0 to 100 built from clear factors, such as repayment history, how long it has been overdue and how the borrower has responded to contact. The factors are stored and visible, so a supervisor can see why a loan scored as it did. It is a rules-based score you can understand, not a hidden model.
Yes. You can start free, with no payment details needed to begin, and try it with your own products and settings. Our team can also set up a working example with you.
All traffic uses HTTPS, passwords are stored as one-way hashes, and people see only what their role allows. Every action is recorded in an audit log, and each company's data is kept apart from everyone else's. Card and mobile-money payments are handled by the payment providers you connect, and the platform records the references.
Banks, microfinance institutions, SACCOs and credit unions, fintechs, buy now pay later providers, auto and asset lenders, and enterprises that lend to customers, staff or suppliers.
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