Overview

INFOPRO’s Debt Collection & Litigation is a core-banking software module that automates end-to-end delinquent account management, collections workflows, and legal case handling. It centralizes monitoring of arrears, prioritizes and allocates collection tasks, automates borrower communications, and supports litigation processes to improve recovery speed, compliance, and reporting across lending portfolios. The solution integrates with loans management, credit intelligence, and risk modules to enable data-driven recovery decisions and operational efficiency.

Features and Capabilities

• Account Monitoring & Segmentation: Continuous tracking of delinquent accounts with configurable aging buckets and priority scoring to target recovery efforts.
• Automated Workflows: Rule-driven task allocation and escalation workflows that route calls, notices, and collection actions based on status and risk.
• Communication & Contact Management: Multi-channel borrower engagement (letters, SMS, calls) and automated reminders with templates and audit trails.
• Legal/Litigation Support: Case creation and lifecycle management for accounts progressing to legal action, with document generation and tracking of legal milestones.
• Integration with Loans & Credit Modules: Seamless data flow with Loans Origination/Management and AI credit intelligence for better prioritization and recovery strategies.
• Reporting & Analytics: Dashboarding and recovery performance analytics (collection rates, cure rates, timeline metrics) for management decisions.
• Compliance & Auditability: Full audit trails, configurable compliance checks, and regulatory reporting support for recovery and litigation processes.
• Configurable Rules Engine: Administrators can set recovery rules, aging thresholds, and escalation policies without code changes.
• Operational Efficiency Tools: Batch processing of accounts, automated document printing/emailing, and task batching to reduce manual workload.