Service models & technology
Exploring modern approaches to tech-driven service delivery — flexible engagement models backed by rigorous analytics and omnichannel technology.
Fixed Seatwise Billing Model
Dedicated teams mirror client processes, covering manpower, infrastructure, calling setup and MIS, with predictable cost and stable resources.
- Dedicated structure & scope with seamless integration
- Operational clarity and transparent responsibilities
- Daily MIS, call monitoring and quality checks
- Ideal for ongoing collections & centralized, technology-enabled programs
Collection-Based Model
Commission-based fees tightly linked to actual recovery outcomes, keeping incentives aligned with client priorities.
- Performance tracked via collection percentage & resolution rates
- Targets hard buckets, NPAs, and written-off portfolios
- Intensive collection efforts and advanced skip tracing
- Systematic resolution of stressed NPA portfolios
Cost Models
Fixed Cost Model
Predictable monthly fees enable stable budgets and simpler approvals. Suits early buckets with larger volumes and lighter collection effort — clients retain more operational control and bear greater performance risk in exchange for transparency.
Performance-Linked Model
Fees tie payments to recovery outcomes, creating strong alignment but variable costs. Suits late or harder buckets and stressed portfolios — risk is shared more evenly, and SAV Finedge drives result orientation.
Technology & Analytics Capabilities
KPI Areas & Recovery Framework
Four KPI pillars — payment behavior, risk segmentation, DPD classification, and portfolio priority — form a structured, data-driven framework for ethical, efficient recovery decisions and actions.
Payment Behavior & Segmentation Logic
Payment history, promise-to-pay accuracy, bounce rates and partial payments refine outreach frequency, messaging tone and escalation paths across dynamic risk-banded borrower cohorts.
DPD Buckets & Recovery Actions
Early, mid and late delinquency buckets drive specific recovery playbooks — reminders and support, structured arrangements, and intensive resolution with legal review where appropriate.
Portfolio Prioritization & ROI Focus
Portfolios are ranked using expected recovery, cost-to-collect, aging and risk, with continuous KPI monitoring and test-and-learn analytics improving recovery ROI and operational efficiency.
Omnichannel Communication Stack
Predictive dialer, WhatsApp, SMS, email, IVR, and voice work together, enabling ethical, high-contact recovery journeys with tailored outreach, timing, and messaging across borrower touchpoints.
Dialer–CRM–MIS integration, GPS-enabled field collections, and client-facing real-time dashboards reduce turnaround time, enhance transparency, and improve contactability with precise tracking and actionable insights.
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