CollectFlow
Smarter Loan Collections, Powered by Intelligence
Transform Your Collections with Speed, Structure, and Strategy
CollectFlow
CollectFlow Overview
CollectFlow is next-gen delinquency and collections management offering from BitsFlow technologies. It has been designed keeping in mind the unique Delinquency management and Collections needs for banks, NBFCs, and FinTech's. From bucket-wise collection strategies to legal escalations, CollectFlow ensures intelligent, compliant, and high-speed recoveries - all in one integrated system.
Key Features
Intelligent Allocation Engine
System uses proprietary Rule Engine to create and manage dynamic use. Delinquent accounts can be automatically assigned to field agents, tele-callers, or legal teams based on configurable criteria such as product type, bucket age, geography, or performance metrics.
Real-Time Dashboards & Portfolio Monitoring
Track recovery performance, delinquency trends, and agent productivity through visual, drill-down dashboards tailored for operations and risk teams.
Automated Legal Workflow
Initiate, track, and escalate legal action (like Section 138, SARFAESI, DRT cases) with integrated templates, timelines, and e-Court case monitoring.
Integrated Telephony & Communication
Send reminders, settlement offers, and follow-ups via automated SMS, WhatsApp, IVR calls, or email. Integrates with dialers and campaign tools.
Audit-Proof Compliance Layer
Configurable rule engine to ensure RBI/Board-approved policies are enforced—be it Do-Not-Disturb flags, Fair Practices Code, or agency rotation.
Digital Payment Links & Settlement Offers
Embed UPI-enabled payment links with digital receipts and partial/settlement flow tracking. Enable one-click resolutions.
API Ready & LOS/LMS Integration
Plug-and-play APIs for seamless integration with Loan Management Systems (LMS), Core Banking, Credit Bureaus, and Recovery Agencies.
Benefits of CollectFlow
- Reduce Days Past Due (DPD) across all buckets
- Lower legal costs with early-stage automation
- Maximize agent productivity and resolution rate
- Improve compliance visibility for audits and board reviews
- Gain borrower insights through behavior tracking and analytics
- Enable self-service recoveries through digital channels
Use Cases & Integrations
Use Cases
- Loan document digitization and lifecycle management
- Contract and vendor agreement management
- Compliance document tracking and archival
- HR and employee record management
- Invoice and accounts payable management
Integrations
- CRM platforms (Salesforce, HubSpot, Zoho)
- Marketing automation tools
- Core banking systems
- LOS/LMS platforms
- Communication services (SMS, WhatsApp)
- Analytics tools
Why Choose CollectFlow?
CollectFlow is built by domain experts in lending and collections, combining compliance-driven design with cutting-edge tech. Whether you're a private bank, NBFC, or fintech, our platform adapts to your operations and scales with your portfolio.
FAQs: Addressing Your Lending Challenges
CollectFlow uses a proprietary AI algorithm that analyzes dozens of data points, including lead source, engagement level, firmographic data, and behavioral patterns, to assign a predictive lead score. This ensures your sales team always focuses on the highest-potential leads first.
Yes, absolutely. CollectFlow is designed with a security-first approach and is fully compliant with major data privacy regulations, including GDPR and CCPA. All data is encrypted in transit and at rest, and we provide robust tools for data governance and access control.
We offer a comprehensive onboarding experience, including dedicated support from an implementation specialist, detailed documentation, and live training sessions for your team. Our goal is to ensure you are set up for success from day one. Post-implementation, you'll have access to our 24/7 customer support team.