Powering business operations of India’s most respected lenders

godrej-housing-finance adity_birla tvs credit muthoot finance shriram lic ugro-capital incred dmi_housing_finance ratnaafin sahibandhu jm financial wonder hinduja

Workflow Automation Across the
Collections Lifecycle

Standardize every recovery motion. Orchestrate at scale.

Early Bucket
Hard Bucket
Settlement & Foreclosure
Legal & Repossession
SMA 0–2

Early Bucket Workflows

Prevent slippages before they become delinquencies.

  • Pre-due and post-due reminder journeys
  • Promise-to-Pay (PTP) tracking and intelligent follow-ups
  • Automated escalation on broken commitments
  • Risk-based prioritization of outreach
  • Early Warning Signal–triggered interventions

Outcome: Higher roll-forward prevention and stronger early recoveries.

one platform to collect recover and stay ahead section 2 early bucket dashboard collections crm v2
HB1, HB2 & Beyond

Hard Bucket Workflows

Drive disciplined recovery progression.

  • Policy-based routing to internal teams or agencies
  • SLA-backed recovery task orchestration
  • Structured multi-touch recovery cadences
  • Performance-based agency rebalancing
  • Risk-led case prioritization

Outcome: Faster bucket resolution and tighter process control.

one-platform-to-collect-recover-and-stay-ahead-section-2-hard-bucket-dashboard
Standardize Decisions

Settlement & Foreclosure Workflows

Standardize and accelerate borrower settlement decisions.

  • Rule-based settlement eligibility checks
  • Hierarchical approval routing
  • Exception handling with full audit trails
  • Foreclosure lifecycle tracking
  • Policy-driven breach detection

Outcome: Controlled settlements with faster turnaround.

settlement foreclosure collections crm v2

Resolve more cases. Skip the manual work.

From high-volume calling to on-ground recovery built to keep your teams moving. 

No-Code Workflow Configuration

Adapt collections strategy without IT dependency.

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    Drag-and-drop builder: Configure journeys, forms and rules with ease
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    Rapid updates: Modify logic and routing on demand
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    A/B testing: Optimize messaging and recovery strategies
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    Regulatory agility: Respond quickly to policy and RBI changes
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    Time and trigger based automation: Schedule campaigns and workflows in advance
no code workflow configuration dashboard collections crm v2

Field Recovery Enablement (FOS Mobile Suite)

Give your field teams speed and control.

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    Verified visits: Geo-tagging, timestamps, and live photo capture
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    Smart plans: Propensity-based visit plans
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    Territory discipline: Assign agents by PIN code or branch
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    Workforce tracking: Attendance and leave workflows; anti-spoof checks with field audit trails
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    Built for real field work: Offline capture plus voice-enabled hands-free navigation
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Intelligent Case Prioritization & Allocation

Prioritize the right cases, automatically.

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    Smart risk scoring: AI/ML-driven bucketization by DPD and risk
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    Dynamic assignment: Route cases by geography, capacity, and performance
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    Workload control: Configure quotas and balance agent queues
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    Channel routing: Auto-assign to digital, telecalling, field, or legal channels
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    PTP alerts: Flag broken promises and slow-moving cases early
intelligent-case-prioritization-allocation-dashboard - debt collection software

Omnichannel Borrower Engagement

Reach borrowers on their preferred channel.

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    Native connectors: Built-in WhatsApp, SMS, email, and dialer integratio
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    Conversational AI: Voicebot and chatbot workflows for borrower outreach
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    Context-aware journeys:Personalize by product, risk, or behavior
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    Automated nudges: Trigger follow-ups and payment nudges automatically
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    Response tracking: Monitor delivery, responses, and effectiveness in one view
omnichannel-borrower-engagement-debt collection software

Frictionless Payment Collection & Reconciliation

Collect faster. Reduce leakage.

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    Instant digital payments: UPI links and QR codes, including voice-based UPI
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    Secure offline collections: OTP-verified cash and cheque with auto receipts
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    Built-in CoH controls: Set per-executive limits to block excess collection
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    Unified visibility: Track digital and cash collections with live reconciliation
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    Deposit discipline: Link collections to DCS workflows for faster bank reconciliation
frictionless-payment-collection-reconciliation-debt collection software

Unified Borrower View (Customer 360)

Give teams a single source of truth.

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    Live LMS sync: Balances, EMI status, and loan details
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    Auto deduplication: Clean borrower records across systems
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    Full interaction history: Tele, field, digital, and legal activity in one place
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    Traceable records: Versioned and audit-ready
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    Embedded risk signals: Continuously updated from LMS and ERP feeds
unified-borrower-view-customer-360-debt collection software

Actionable Collections Intelligence

Give every role the visibility to act faster.

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    DPD analytics: Collections by bucket, region, and product
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    Channel productivity: Compare field vs telecalling performance
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    PTP tracking: Monitor Promise vs actual recoveries
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    Team metrics: Measure collector and agency efficiency
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    Executive dashboards: Portfolio-level monitoring
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    Forward risk indicators: Spot emerging stress early
actionable-collections-intelligence-debt collection software

End-to-End Deposit (DCS) Management

Close the loop from collection to bank posting.

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    Auto DCS creation:Automatically group field collections into DCS records
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    Deposit workflows:Guided bank handover
to ensure accurate and timely deposits
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    Deposit validation:Enforce proof-based deposit confirmation for field team
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    Core sync: Automatically update ERP/LMS after deposits
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    Full reconciliation tracking: Compare collected vs deposited amounts in one view
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Integrations?
Already done.

Works with your LMS, dialers, payment
gateways, and messaging tools 

Till ‘debt’ do us apart

A comprehensive checklist to help you find the right collections
management system 

Backed by bank-grade security.

Every layer of LeadSquared is built for compliance, resilience,
and control. 

hosted

Hosted on AWS India zones

Secure, and always available

end-to-end encryption

End-to-end encryption

TLS 1.2 and AES-256 protection

global standards compliance

Global standards compliance

ISO, GDPR, RBI aligned

secure access management

Secure access management

MFA, SSO, and role settings

comprehensive audit trails

Comprehensive audit trails

Track users and actions

environment isolation setups

Environment isolation setups

Dev, UAT, and Prod zones

testing

Regular VAPT testing

Internal and external audits

data privacy toolkit

Data privacy toolkit

Consent, opt-in, and deletion

Success stories, straight from our
customers

manik-nangia

“Every inquiry across 6,000 dealerships, spanning brands and business units, is now seamlessly captured with LeadSquared!”

Manik Nangia, President
tribhuwan-adhikari

“We believe this partnership can help us move closer to our goal of making housing loans easily accessible to Indian citizens.”

Tribhuwan Adhikari, CEO & Managing Director
ashish

“We now have a complete patient experience platform and a single source of truth for all our key initiatives”

Ashish Anand, VP - Digital Transformation
abbyshek-chandra

“LeadSquared Service CRM is our secret weapon. We’ve cut resolution times, boosted satisfaction, and scaled effortlessly.”

Abbyshek Chandra, Head - Business

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Customer Service

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Frequently asked questions

How much does debt collection software cost?

The cost varies from vendors to vendors and the functionalities they provide. With many debt collection software in the market, it is important to gauge their ROI. With LeadSquared, lenders save costs by automating payment reminders and prioritizing cases effectively. Additionally, they can also optimize spends by up to 15%.

What software do collection agencies use?

Many collection agencies/ lending businesses like ORIX Leasing and Pepper Finance rely on LeadSquared Debt Collection CRM for their debt recovery process.

What are the 3 key strategies when it comes to collections?

Lenders can improve debt collection by:

  • Using a debt collection CRM, lenders can segregate and prioritize borrowers that are likely to miss their payment deadline. Sending them automated reminders before the due dates can help increase collections.
  • By segregating cases based on their DPD (Days Past Due) count, lenders can deploy soft or hard collection mechanisms to improve collection efficiency.
  • Through different modes of payment, lenders can make it easy for borrowers to complete their payments.

What is the most effective collection technique?

One of the most effective collection techniques is to segregate cases, prioritize them based on DPD (days past due) and then use automated payment reminders across different channels – like email, SMS, WhatsApp, automated calls, and more. Additionally, when paired with soft collection or call collection through agents, this technique is most likely to improve collections.

Is there any MS Dynamics CRM alternative for debt collection?

Due to its simple UI and ease of use, a preferred alternative is the LeadSquared Debt Collection CRM for payment and collection of EMIs. As a collection software for small business owners and large enterprises, LeadSquared can maximize debt recovery through next-gen automation workflows.

What is debt collection software used for?

A debt collection software is used to manage EMI collections and automate collection processes.

What is a debt collection software?

Many collection agencies/ lending businesses like ORIX Leasing and Pepper Finance rely on LeadSquared Debt Collection CRM for their debt recovery process.

What techniques are used to collect debt?

Payment reminders through emails, phone calls, field visits by collection agents, legal notices for outstanding dues, etc. are some common techniques for debt collection. Many steps can be automated through a debt collection software to improve collection efficiency.

How can debtors collection be improved?

Lenders can improve their debt collection by employing robust debt collection software and effective collection techniques. A debt collection software like LeadSquared can help automate EMI collections, manage cases end-to-end, automate payment reminders to borrowers, execute hard and soft collections, and provide detailed analytics.

Take control of your
collections operations

See how LeadSquared helps you recover faster, reduce risk, and stay
compliant at scale. 

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