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Collections and delinquency management

This workflow automatically identifies delinquent loans, initiates personalized collection outreach through multiple channels, and tracks member responses to optimize recovery rates while maintaining member relationships.

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Workflow Trigger

Loan payment becomes 30+ days past due in core banking system

Visual Flow

Each node represents an automated step. Connections show how data and decisions move through the workflow.

Step-by-Step Breakdown

Detailed explanation of each automated stage in the workflow.

  1. 1
    Trigger

    Detect Delinquent Account

    Core banking system automatically flags accounts when loan payments become 30+ days past due. System pulls member account details, payment history, and contact preferences.

    CU*BASEFLEX
  2. 2
    Action

    Analyze Member Profile

    AI system reviews member's complete relationship history, previous collection responses, and financial behavior patterns. Creates risk score and determines optimal collection strategy.

    EpisysGalaxy
  3. 3
    Decision

    Route Collection Strategy

    System determines collection approach based on delinquency amount, member tier, and risk profile. Routes to automated outreach, specialized team, or immediate escalation.

    Corelation KeyStone
  4. 4
    Action

    Execute Personalized Outreach

    Automated system sends customized collection notices via member's preferred communication channel (email, SMS, phone call). Messages include payment options and hardship assistance programs.

    SharetecCU*BASE
  5. 5
    Action

    Monitor Response Actions

    System tracks member interactions with collection notices, payment portal visits, and actual payments made. Updates member profile with engagement data for future optimization.

    GalaxyEpisys
  6. 6
    Decision

    Evaluate Collection Progress

    AI analyzes payment response within defined timeframe and member engagement levels. Determines whether to continue current strategy, escalate to human intervention, or offer payment arrangements.

    Corelation KeyStoneFLEX
  7. 7
    Output

    Generate Collection Report

    System produces comprehensive collection summary including member contact attempts, payment status, recommended next actions, and compliance documentation for regulatory requirements.

    SharetecCU*BASE

Outputs

  • Collection activity summary report
  • Updated member risk profiles
  • Compliance documentation package

Key Metrics

  • Collection recovery rate
  • Average days to payment resolution
  • Member retention post-collection

Tools & Integrations

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