Comprehensive Collections Management Platform
AURA is a comprehensive collections management platform that automates and optimizes the entire debt recovery process. Our intelligent system combines advanced analytics, automated workflows, and compliance monitoring to help organizations scale their collections operations efficiently.
Get StartedReduction in operational costs
Improvement in recovery rates
Compliance with regulations
Scalability without staffing increase
The Challenge
Collections are still stuck in the past: manual calls, inconsistent nudges, and missed follow-ups. Borrowers slip away, recovery costs shoot up, and compliance is left to chance.
AURA solves this. It automates the entire journey — from WhatsApp reminders to AI calls and human escalations — so you recover more, spend less, and stay compliant effortlessly.
Core Capabilities
Automated Case Assignment & Prioritization
Intelligent case prioritization and assignment based on debt age, amount, customer profile, and agent expertise for optimal recovery outcomes.
Real-Time Performance Monitoring
Live performance tracking with comprehensive analytics on recovery rates, agent productivity, and collection efficiency across all channels.
Compliance Tracking & Regulatory Adherence
Automated regulatory adherence monitoring with audit trails, ensuring 100% compliance with RBI guidelines and fair practices code.
Intelligent Workflow Automation
End-to-end automation of collection workflows including reminders, escalations, payment tracking, and settlement processing with visual workflow builder.
Comprehensive Reporting & Insights
Detailed insights and analytics with customizable dashboards, recovery forecasting, and performance benchmarking across portfolios.
Multi-Channel Communication Management
Unified communication management across voice, SMS, email, and WhatsApp with automated follow-ups and personalized messaging.
Collections Overview Dashboard
Monitor portfolio performance and manage collections workflow with real-time insights and comprehensive analytics.
Portfolio Metrics
- Track Portfolio O/S, Delinquent O/S, and recovery rates
- Monitor PTP Kept %, RPC %, and roll-rate metrics
- View DPD distribution across buckets with visual charts
Recovery Analytics
- Real-time recovery tracking with MTD and daily metrics
- Compare automation vs human recovery performance
- Analyze trends and identify improvement opportunities
Automated Collections Workflows
Create and manage collection workflows with visual automation builder. Set up triggers, actions, and conditions to automate your entire collections process.
Visual Workflow Builder
Design complex collection workflows with drag-and-drop interface. Set up automated triggers, multi-step actions, conditional logic, and payment verification.
Loan Due Trigger
Automatically detect upcoming loan EMI dues (1-5 days) via webhook integration and trigger collection workflows based on customer segments and risk profiles.
WhatsApp Reminder
Send personalized WhatsApp messages with payment links, EMI details, and easy payment options. Track delivery and read receipts in real-time.
Wait & Payment Check
Pause workflow for 24 hours, then automatically verify if payment has been made. Branch workflow based on payment status for appropriate next actions.
Smart Follow-Up
If no payment received, automatically escalate with firmer tone WhatsApp follow-up or assign to human agent. Close case when payment is confirmed.
Workflow Management & Analytics
Monitor and optimize your collection workflows with comprehensive analytics on success rates, usage patterns, and average recovery per workflow.
Workflow Library
Manage all collection workflows from a centralized library. Track usage, success rates, and average recovery for each workflow template.
Performance Tracking
Monitor workflow performance with detailed analytics on execution count, success rate, and recovery amount per successful case.
Optimization Insights
Identify high-performing workflows and optimize underperforming ones with AI-powered recommendations and A/B testing capabilities.
AI-Powered Campaign Management
Launch targeted bulk reminders and settlement nudges with AI-suggested high-impact segments. Track campaign performance with detailed delivery, click, and payment metrics.
AI-Suggested Campaigns
- Automatically identify high-value segments (DPD 90+, High Exposure)
- AI recommends optimal timing and messaging for each segment
- Predict campaign success rate before launch
Campaign Analytics
- Track delivery %, click %, and paid % for each campaign
- Compare manual vs AI campaigns performance
- Monitor campaign ROI and recovery impact
Transform Your Collections Operations
AURA delivers measurable results across all key metrics, helping you recover more while spending less.
Cost Reduction
Reduce operational costs through intelligent automation and workflow optimization
Higher Recovery
Improve recovery rates with AI-driven strategies and optimal timing
Compliance
Ensure complete regulatory adherence with automated monitoring and audit trails
Scalability
Scale operations without proportional increases in staffing costs
Ready to transform your collections operations?
Join leading NBFCs and banks who have automated their collections with AURA. Reduce costs, improve recovery rates, and ensure 100% compliance.
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