Overview

EbixCash Debt Collections (früher Indus Debt Collection Software) is a cloud‑enabled SaaS platform designed to digitalize, automate, and streamline the entire debt recovery life cycle. It helps organizations reduce collection costs, boost recoveries, and manage delinquency stages from early reminders through legal recovery. The system supports configurable strategies, multi‑channel communication, field and legal agency workflows, dashboards, audit trails, and integration with core systems, enabling end-to-end collections orchestration.

Features and Capabilities

• **Core Lifecycle Support: **Supports all stages of debt recovery: preemptive / early stage → field / in-person → late / legal collections.
• **Configurable Strategies & Workflows: **Users can define rule-based segmentation, allocation rules, champion/challenger strategies, automatic escalations, and configurable dunning workflows.
• **Multi‑Channel Communication: **Template-based communications via e‑mail, SMS, voice/IVR, chat/notifications, with support for multilingual templates.
• **Agent & Work Allocation Engine: **Auto‑allocation of cases, load balancing across agents, team/queue logic, and dynamic reassignment.
• **Field / Legal Agency Integration: **Field agent mobile app (mCollect), legal case workflow handling, repossession support, agency assignments.
• **Dashboards, Reports & Scorecards: **Preconfigured dashboards, KPI tracking, performance scorecards (qualitative & quantitative), trend analysis.
• **Audit Trail & Security / Compliance: **Full audit logs of communications, actions, role-based access controls, data security, and compliance support.
• **Cloud‑Ready & Open Architecture: **Support for WAN/LAN/internet deployment, modular APIs, integration with billing, CRM, core banking systems.
• **AI / ML Driven Capabilities: **Predictive models to forecast self‑cure, payment propensity, channel choice, and to optimize collections strategy.
• **Scalability & Multi‑Portfolio Support: **Handles multiple portfolios, branches, products (credit cards, loans, utilities) across geographies and currencies.