From Spreadsheet Chaos to Real-Time Coordination

Empowering Organizations through Artificial Intelligence

The Challenge

Spreadsheet-Based Collections Management

Financial institutions manage multiple credit products —mortgages, auto loans, personal loans, SME credits, and corporate credit facilities— each with its own workflows (playbooks) and critical regulatory compliance deadlines

Critical & Regulatory Deadlines

  • Non-Performing Loan (NPL) classification deadlines
  • Provisioning requirements
  • Regulatory reporting windows
  • Legal escalation thresholds
  • Asset recovery and repossession procedures

Fragmented Systems & Scattered Data Sources

  • Excel lists exported from the core banking system
  • Email threads with unversioned attachments
  • Scattered messages on messaging platforms (WhatsApp, Atom)
  • Files on shared drives and individual manager notes
  • Information in analysts' personal memory and handwritten records

The Cost

The Cost of Operational Fragmentation

When communication is not coordinated, teams duplicate efforts and generate negative customer experiences:

1

Morning Call

A senior executive contacts the customer, who commits to making a payment that same afternoon

2

Duplicate Outreach

Hours later, another collections agent calls the same customer asking exactly the same questions, unaware of the previously agreed commitment

3

Unhappy Customer

The customer relationship deteriorates as a result of repetitive, uncoordinated, and inconsistent contact

The Solution

Collections Cockpit

When deadlines tighten, authorized users open ComplyCore and access a single, continuously updated view, eliminating reliance on outdated spreadsheets

Pull & Reconcile

Automatically aggregates information from the core banking system, email, messaging platforms, collaboration tools, and internal team notes

Synthesize Status

Shows: what maturities are pending, what payment commitments were agreed, what was communicated, who contacted whom, and what is the next required action

Single Record

Maintains a continuously updated source of truth that enables coordinated, consistent, and auditable contact with full traceability

Users

Who Uses ComplyCore for Collections?

Collections Agents

Front-line teams that manage daily customer contact and payment coordination

Relationship Managers

Account executives who maintain long-term customer relationships across multiple financial products

Senior Leadership

Executives who oversee collection effectiveness and make strategic portfolio management decisions

Team Supervisors

Team leaders who monitor portfolio performance and efficient allocation of operational resources

Operating Model

The Operating Model Is Inverted

ComplyCore enables a fundamental shift in how collection teams distribute their time and attention

High-Touch Human Intervention

Human talent focuses on cases that truly require analytical judgment, negotiation, or relationship management

  • Complex debt restructuring discussions
  • High-value corporate accounts
  • Sensitive customer relationship situations
  • Legal escalation decisions

Automated Efficiency

Automated digital management handles routine cases with precision and confidence

  • Customers contacted once, at the right moment
  • Managers have exact, up-to-date context
  • No cases fall through the cracks
  • No duplicate calls or unnecessary contacts

The Impact

Measurable Operational Impact

With the same team size, financial institutions using ComplyCore achieve significant improvements in collection effectiveness

80%

Reduction in Overdue Cases

From approximately 500 overdue cases to fewer than 100, thanks to better coordination and systematic follow-up

~0%

Near-Zero Missed Reminders

Payment defaults due to missed reminders drop from 20-30% to practically zero

1x

Single Customer Contact

Customers contacted once with full context, instead of multiple fragmented calls

Fewer Legal Escalations

Incorrect data no longer triggers unnecessary legal actions or avoidable write-offs

Better Customer Experience (CX)

Coordinated, professional communication strengthens long-term customer relationships

Greater Operational Effectiveness

Material reduction in overdue portfolio volume with the same installed team capacity

The Vision

From Obsolete Spreadsheets to Coordinated Truth

ComplyCore transforms collection operations by replacing fragmented and outdated data with a coordinated system of record

  • No more exported lists that become obsolete the moment they are generated
  • All customer interactions visible in a single centralized repository
  • Every stakeholder accesses the same up-to-date account status
  • Lower overdue volumes, better customer relationships, and higher recovery rates

The process stops depending on outdated spreadsheets and starts operating on the truth

Ready to transform your collections operations?

ComplyCore transforms collection operations by replacing fragmented and outdated data with a coordinated system of record