Integro

Built for intelligent, scalable, and compliant debt resolution

Explore the core capabilities that make Integro the platform of choice for financial institutions and lending operations across markets

1

AI-Based Account Prioritization

Identify which overdue and NPA accounts need immediate attention, which borrowers are more likely to respond, and which cases require field, settlement, or legal action.

2

Borrower Behaviour Intelligence

Understand borrower response patterns, repayment intent, contactability, payment history, commitment behaviour, and likely resolution outcomes.

3

Omnichannel Borrower Engagement

Coordinate communication across calls, SMS, WhatsApp, email, IVR, field visits, and digital payment reminders with complete interaction history.

4

Workflow Automation

Automate allocation, follow-ups, escalations, approvals, documentation, settlement routing, and recovery task management.

5

Field Recovery Management

Enable field agents to view assigned cases, plan visits, update borrower outcomes, record payment commitments, upload documents, and report activity in real time.

6

Agency Management

Assign portfolios to recovery agencies, track case-level progress, compare agency performance, monitor productivity, and maintain control over outsourced recovery operations.

7

Settlement and Restructuring Workflows

Manage settlement eligibility, offer creation, negotiation history, approvals, documentation, hardship review, and final closure tracking.

8

Legal Escalation Tracking

Track legal-stage cases, notices, documentation, advocate coordination, hearing dates, status updates, and legal recovery progress.

9

Payment Commitment Tracking

Capture promise-to-pay dates, monitor missed commitments, trigger follow-ups, track partial payments, and escalate overdue commitments.

10

Executive Dashboards

Give leadership real-time visibility into NPA movement, recovery performance, regional trends, team productivity, settlement progress, and agency outcomes.

A modular platform for every stage of debt resolution

NPA Intelligence Engine

Know which accounts to act on first.

  • Account risk scoring
  • Payment propensity indicators
  • Borrower segmentation
  • Recovery path recommendation

Outcome: Focus recovery effort where it can create the highest resolution impact.

Digital Resolution Workflow

Automate the recovery journey from reminder to resolution.

  • Configurable recovery workflows
  • Bucket-wise action paths
  • Automated task allocation
  • Escalation rules

Outcome: Reduce manual dependency and bring consistency to recovery operations.

Borrower Engagement Suite

Engage borrowers with the right message, channel, and timing.

  • Omnichannel coordination
  • Language-aware journeys
  • Promise-to-pay capture
  • Digital payment link support

Outcome: Improve borrower response rates and create a more structured resolution experience.

Field Recovery Management

Give field teams the tools to act faster and report better.

  • Agent case assignment
  • Location-based visit updates
  • Payment commitment capture
  • Real-time visibility

Outcome: Improve field productivity, reduce reporting gaps, and increase accountability.

Agency Management

Manage external recovery partners with transparency and control.

  • Portfolio allocation
  • Case assignment
  • Performance dashboards
  • Audit trail of actions

Outcome: Bring measurable governance to outsourced recovery operations.

Settlement and Resolution Desk

Digitize settlement workflows and accelerate closure.

  • Eligibility rules
  • Approval workflow
  • Negotiation history
  • Closure status management

Outcome: Accelerate settlement decisions while maintaining policy control and documentation discipline.

Legal Recovery Tracker

Track legal-stage accounts with clarity and control.

  • Legal case tagging
  • Notice tracking
  • Hearing date tracking
  • Advocate assignment

Outcome: Improve legal recovery visibility and reduce case follow-up gaps.

Analytics & Command Centre

Turn recovery operations into measurable intelligence.

  • Portfolio dashboard
  • Bucket-wise tracking
  • Collector productivity
  • Settlement conversion

Outcome: Make faster, data-backed decisions across the recovery lifecycle.