A modular platform for every stage of debt resolution
Discover the 8 core modules that power the Integro platform, designed to help financial institutions resolve NPAs with greater speed, visibility, and governance.
NPA Intelligence Engine
Know which accounts to act on first.
The NPA Intelligence Engine helps recovery teams move beyond static bucket-based tracking and take a more focused, data-driven approach to NPA recovery. It analyses borrower behaviour, payment history, overdue stage, risk signals, and past recovery interactions to identify the right accounts, recommend the right recovery path, and guide teams on the right time to intervene.
Key Features
- Account risk scoring
- Payment propensity indicators
- Borrower segmentation
- Recovery path recommendation
- Early warning signals
- Roll-forward risk visibility
- High-value account identification
- Portfolio-level prioritization
Digital Resolution Workflow
Automate the recovery journey from reminder to resolution.
AI agents support structured recovery workflows by recommending the next action, triggering follow-ups, routing cases for settlement or legal escalation, and reducing manual coordination across teams.
Key Features
- Configurable recovery workflows
- Bucket-wise action paths
- Automated task allocation
- Follow-up reminders
- Escalation rules
- Approval flows
- Case history tracking
- SLA monitoring
Borrower Engagement Suite
Engage borrowers with the right message, channel, and timing.
AI agents help engage borrowers with the right message, channel, timing, and language, while tracking responses, payment intent, promise-to-pay commitments, and missed follow-ups
Key Features
- Call, SMS, WhatsApp, email and IVR coordination
- Communication history
- Language-aware communication journeys
- Payment reminder flows
- Promise-to-pay capture
- Missed commitment alerts
- Borrower response tracking
- Digital payment link support
Field Recovery Management
Give field teams the tools to act faster and report better.
Field recovery remains a critical part of debt resolution at scale. The platform gives field agents and supervisors a structured system to manage visits, capture outcomes, record borrower commitments, and track field productivity.
Key Features
- Field agent case assignment
- Visit planning
- Location-based visit updates
- Borrower interaction notes
- Payment commitment capture
- Document and image upload support
- Supervisor review
- Real-time field status visibility
Agency Management
Manage external recovery partners with transparency and control.
The platform helps banks and NBFCs manage agency-led recovery operations with better visibility, structured allocation, performance tracking, and case-level accountability.
Key Features
- Agency-wise portfolio allocation
- Case assignment and reassignment
- Performance dashboards
- Productivity tracking
- Outcome reporting
- Escalation monitoring
- Audit trail of agency actions
- Comparative agency performance
Settlement and Resolution Desk
Digitize settlement workflows and accelerate closure.
Settlement is one of the most sensitive and important parts of debt resolution. The platform helps lenders create structured settlement workflows with eligibility rules, approval routing, negotiation history, borrower documentation, and final closure tracking.
Key Features
- Settlement eligibility rules
- Offer recommendation support
- Approval workflow
- Negotiation history
- Hardship case documentation
- Legal and risk review routing
- Settlement letter tracking
- Closure status management
Legal Enforcement and Recovery Tracker
Track legal-stage accounts with clarity and control.
Legal recovery requires timely action, accurate documentation, and structured coordination between recovery teams, legal teams, agencies, and external advocates. Integro brings legal-stage accounts into the same recovery operating system.
Key Features
- Legal case tagging
- Notice tracking
- Document checklist
- Advocate assignment
- Hearing date tracking
- Case status updates
- Legal cost visibility
- Recovery outcome tracking
Analytics and Recovery Command Centre
Turn recovery operations into measurable intelligence.
The platform gives leadership a live view of recovery performance across products, regions, buckets, teams, agencies, borrower segments, settlements, and legal-stage accounts.
Key Features
- Portfolio dashboard
- Bucket-wise recovery tracking
- NPA movement analysis
- Collector productivity
- Agency performance
- Settlement conversion
- Promise-to-pay tracking
- Regional performance
- Ageing and overdue reports
- Leadership MIS reports
A closer look at how we resolve operational complexities at every stage
Spot risky loans early
- Detects accounts showing signs of default before they become NPAs.
- Uses analytics and monitoring to flag overdue payments and borrower risk indicators.
Recover more, with less effort
- AI agents automate collection workflows and recovery follow-ups.
- Helps recovery teams prioritize high-risk accounts and improve collection efficiency.
Keep NPAs under control
- Strengthens NPA recovery through better credit assessment and continuous monitoring.
- Supports data-driven lending decisions and risk management.
Automate repetitive tasks
- Eliminates manual tracking using spreadsheets and paperwork.
- Automates documentation, case management, notifications, and reporting.
Stay compliant with confidence
- Maintains audit trails and regulatory reports.
- Helps institutions comply with banking and financial regulations.
Get a clear view of the entire portfolio
- Provides dashboards showing NPA trends, recovery status, and borrower profiles.
- Gives management a consolidated view of problem accounts.
Make faster decisions
- Centralized data enables quicker approval of restructuring, settlements, or legal actions.
- Reduces delays caused by fragmented systems.
Reduce operational costs
- Reduces manual effort, paperwork, and processing time.
- Recovery operations become more efficient and scalable.
Predict outcomes better
- Uses historical data and predictive analytics to estimate future defaults.
- Helps lenders create proactive risk mitigation strategies.
Improve overall profitability
- Higher recovery rates and lower bad debts improve asset quality and profitability.
- Reduces provisioning requirements associated with bad loans.
Integro helps financial institutions reduce defaults, improve recovery, automate operations, ensure compliance, and increase profitability by managing stressed loans more effectively.