Value Stream:
Collect
Centric AI predicts delinquency, prioritises recoveries, and automates outreach—making repayment a proactive, data-driven process that reduces losses and operational burden.
Overview
Collections define portfolio health. Centric AI helps lenders predict delinquency, prioritize recoveries, and automate outreach—turning repayment into a data-driven, proactive process that reduces losses and operational strain.
Key Statistics
“AI-driven collection strategies can reduce delinquency rates by up to 20% and improve recovery by 30%.” (McKinsey & Company, 2023)
“Digital-first lenders cut collection costs by 40% through intelligent automation.” (Accenture, 2024)
“Early intervention models can prevent up to 50% of defaults when deployed within the first 30 days of delinquency.” (World Bank, 2022)
Rising Delinquencies
Manual follow-ups and static rules make it hard to detect early repayment risk.
Inefficient Prioritization
Collections teams spend equal effort on all accounts, regardless of recovery potential.
Reactive Communication
Borrowers are contacted after default instead of being proactively engaged.
High Manual Workload
Calls, reminders, and tracking are managed manually, creating inefficiency.
Poor Recovery Visibility
Disconnected systems hide performance metrics across portfolios and agents.
Increasing Defaults
Economic shifts and borrower fatigue drive non-performing loans.
Resource Drain
Agents focus on low-value cases while high-recovery ones are delayed.
Reduced Recovery
Late interventions decrease success rates.
High Opex
Teams are overstretched; processes lack standardization.
Limited Insight
Analyze competitor performance and market positioning to uncover opportunities and inform future growth strategies.
Delinquency Prediction
Centric AI identifies at-risk accounts early through behavioral and payment-pattern analysis.
Smart Prioritization Engine
Centric AI ranks accounts by recovery likelihood, optimizing agent effort and ROI.
Automated Outreach
Centric AI personalizes reminders and payment plans before accounts become delinquent.
Digital Collection Bot
Centric AI automates debt negotiation, payment reminders, and dispute resolution via omnichannel bots.
Unified Insights Layer
Every churn, upsell, and retention outcome refines predictive models, improving accuracy and portfolio returns.
