eMACH.ai

Debt Collections

AI-First Intelligent, Digital Debt Management

Manage delinquencies proactively and at scale with AI-first debt management platform

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PBCs – Packaged Business Capabilities

4

Microservices

36

APIs

10

Events

Trends

Key Trends Transforming Debt Collections

Design your onboarding to win

Digital-First, Omnichannel Engagement

Banks are replacing traditional calling with digital outreach across SMS, WhatsApp, email, and apps. Customers cure faster when contacted through preferred digital channels.

 

AI & Predictive Analytics

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Customer-Centric, Compliant Collections

Firms are shifting from aggressive tactics to empathetic, personalized treatments that protect customer relationships and meet stricter conduct and regulatory standards.

Self-Service & Frictionless Repayment

Digital portals, payment links, and automated reminders make it easy for customers to self-cure early, reducing roll-rates and lowering cost-to-collect.
CHALLENGES

Challenges Modern Collections Teams Face

We tackle the top 5

1

Rising Cost-to-Collect
Contact rates are dropping while call, staffing, and vendor costs keep climbing—making every dollar recovered more expensive.

2

Regulatory Pressure
Collections teams must keep up with fast-changing rules and fair-treatment expectations, with heavy penalties for non-compliance or poor customer outcomes.

3

Legacy Systems & Fragmented Data
Many lenders run collections on siloed, legacy platforms, limiting digital channels, real-time insight, and analytics-driven strategies.

4

Balancing Empathy with Recovery Targets
Banks are under pressure to collect efficiently while treating vulnerable customers with empathy and protecting long-term relationships.

5

Rigid Systems & IT Dependency
Inability to modify workflows or risk rules instantly without IT support, causing delays in decision making and strategy execution.

Transform Collections from Cost Center to Strategic Advantage

Modern lenders face declining contact rates, stricter compliance, and rising cost-to-collect driven by fragmented, legacy systems. Intellect’s AI-driven debt collections platform enables digital-first engagement and intelligent orchestration to improve recoveries while preserving customer relationships.

AI-Driven Precision

Intelligent next-best-action guidance improves promise-to-pay outcomes.

Customer-Centric Engagement

Omnichannel communication across SMS, WhatsApp, email, and apps meets customers where they engage.

Risk & Compliance Enabled

No-code configuration of rules, strategies, and workflows accelerates execution.

Real-Time Strategy Optimization

Champion/Challenger testing enables continuous improvement from live data.

Overview

AI-First Frictionless Collections balancing empathy with recovery targets while reducing cost-to-collect

An intelligent debt management solution that unifies early warning, customer engagement, collections operations and recovery into one seamless platform

eMACH.ai Debt Collections is an AI-first, end-to-end debt collections product that empowers lenders to orchestrate effective, compliant and scalable collections operations.

Designed for banks, NBFCs and financial institutions, the platform combines AI-powered segmentation, digital-first outreach, smart case management, field agent enablement, and customizable recovery strategies — all within a single, highly configurable platform.

It is an intelligent, digital-first debt management product that unifies early warning, customer engagement, collections operations and recovery into one seamless solution. Powered by AI, automation and real-time insights, it helps lenders reduce delinquency, accelerate recoveries and lower the cost-to-collect with personalized, omnichannel outreach and smart next-best-action recommendations. Built on Intellect’s eMACH.ai architecture principles, it delivers enterprise-grade scalability, configurability and compliance for banks managing complex retail, SME and corporate portfolios.

It empowers field collectors, transforming them from manual data entry agents into strategic, efficient recovery specialists. Leveraging an intuitive interface and robust offline capabilities, it equips collectors with smart route planning to optimize their daily journeys. It aids agents with a 360° case access for instant, informed customer interactions and real-time field actions for seamless payment recording and proof-of-collection capture. With its intelligent design, it streamlines field operations, minimizes paperwork, and drives better recovery outcomes directly from the palm of the collector’s hand.

AI-FIRST LOAN SERVICING PLATFORM
Scalable, compliant, future-ready. The System of Record for your retail book.

Debt Collections

Business Impact
Ai powered real-time insights
Lowers cost-to-collect
Smart next-best-actions
Enterprise-grade scalability
Financial Integrity
  • Precise calculation of interest, penal charges, and tax components
  • Accurate accounting and reconciliation
  • Zero revenue leakage
Operational Agility
  • Automate bulk events like rate resets, moratorium application
  • Rescheduling and restructuring automation
  • EOD operations fully automated
Accounting Accuracy
  • Acts as reliable sub-ledger
  • Pushes consolidated entries to General Ledger (GL)
  • Multi-GAAP support
Capabilities

AI-First & Field-Ready Collections, enabling Lower NPAs. Stronger Risk Posture. Higher Profitability.

  • Debt portfolio definition based on clear, institution-specific rules and criteria
  • Provides a 360-degree view of every account from a single control panel to define and manage accounts based on institution-specific criteria

 

Business Impact

Enables the smart allocation of resources and the launch of automated multi-channel campaigns for the quick resolution of cases and optimized outreach

  • Unified dashboard with 360-degree customer view
  • AI-powered guidance for office-based collectors
  • Digital Collect mobile app for field agents.
  • Optimized routes and offline capabilities

 

Business Impact

Transforms field agents from manual entry agents into strategic recovery specialists, minimizing paperwork and driving better field outcomes

  • Easy configuration of collection strategies
  • Direct control over rules and workflows
  • Real-time changes without technical support
  • Simple interface for business users

 

Business Impact

Allows for real-time changes without technical support, ensuring the system adapts to market trends or new regulations

  • Run live A/B tests on collection strategies
  • Test on small groups with real-time results
  • Get hard data to choose effective approaches
  • Continuously improve recovery rates

 

Business Impact

Continuous performance optimisation, delivers the hard data needed to confidently choose optimal approaches and continuously improve recovery rates

  • Automated outreach across all channels
  • SMS, WhatsApp, eMail integration
  • Intelligent personalization based on risk profile
  • Right message to right customer at right time

 

Business Impact

Customers cure faster when contacted through preferred digital channels, reducing roll-rates and lowering the cost to collect

 
  • Continuous portfolio scanning to detect Early Warning Signals (EWS) and covenant breaches in real time

 

Business Impact

Facilitates earlier intervention to preserve asset quality and prevent slippage before it becomes a delinquency

 
  • Unified system for all recovery operations
  • Structured workflows from pre-legal to repossession
  • Consistent process ensures all actions captured
  • Visibility and control for complex cases

 

Business Impact 

Ensures governance and policy enforcement through a no-code/low-code solution that handles complex legal stages

  • Automatic case allocation
  • Promise-to-pay tracking
  • Real-time assistance during calls
  • On-screen scripts and AI-suggested next-best actions

 

Business Impact

Empowers agents with AI-suggested ‘next-best actions’ to guide them toward successful outcomes during live calls

KEY DIFFERENTIATORS

Unlock Smarter & Proactive Collections with eMACH.ai Debt Collections

End-to-End Debt Lifecycle Management

The Difference: It is one of the few platforms globally that manages the entire debt lifecycle—from early warning to repossession—on a single, unified stack. It can run as a standalone debt collections platform or integrate seamlessly with your lending stack

The Advantage: Every workflow is purpose-built to deliver a single source of truth and operational consistency across Consumer, SME, and Corporate lending portfolios.

Continuous Collection Strategy

The Difference: Your collections strategy becomes an evolving system, helping you constantly refine your risk policy. Features embedded A/B testing modules that allow for running multiple outreach strategies simultaneously on live portfolios.

The Advantage: Provides real-time evidence of what works best, enabling banks to scale only the strongest strategies and continuously lift recovery performance.

 

AI-Powered Natural Language Segmentation

The Difference: Non-technical users can build sophisticated collection queues simply by describing their intent. From high-risk micro-segments to product-specific groups or behavioral cohorts, teams can create and refine queues instantly.

The Advantage: Provides lenders with unprecedented precision and speed, allowing them to create micro-segments instantly without waiting for IT support.

Digital Collect Mobile Empowerment

The Difference: A dedicated mobile application with robust offline capabilities and smart route planning for field agents. It equips collectors with smart route planning to optimise their daily journeys, full 360° case access and real-time field actions for seamless payment recording and proof-of-collection capture.

The Advantage: Transforms field collectors from manual data entry agents into strategic recovery specialists, driving better outcomes directly from the palm of their hand.

Omnichannel Empathetic Engagement

The Difference: Automates outreach across WhatsApp, SMS, and Email, intelligently personalizing every message based on the customer’s risk profile.

The Advantage: Breaks communication barriers and uses empathetic AI agents to engage customers in their native language, accelerating debt resolution.

Unified Data Cockpit with Predictive Analytics

The Difference: A single AI-driven dashboard that unifies performance, risk, and operational insights across origination, underwriting, and collections.

The Advantage: Predictive analytics anticipate delinquencies and surface emerging risk patterns before they become material issues.
DIGITal Experts

Reimagine Debt Collections with AI-First Digital Experts

AI transforms debt collections and recovery with dedicated Digital Experts across the debt collection lifecyle

Case Insights Digital Expert

Eradicates agent guesswork by embedding intelligence directly into collector workflow. Synthesizes demographics, repayment history, and communication logs into single actionable recommendation.

  • 1. Prescribes precise next best action
  • 2. Optimal communication channel selection
  • 3. Most effective message tone and best time to contact
  • 4. Specific payment plan recommendations
Business Impact
  • Transform collectors into data-driven negotiators
  • Real-time, dynamic guidance
  • Improved success rates

Portfolio Segmentation & Allocation DE

Enforces single, data-driven strategy across entire organization, eradicating process fragmentation.

Standardizes queue formation and allocation across all teams and departments.

  • 1. Consistent enterprise-wide operations
  • 2. Compliant allocation processes
  • 3. Efficient portfolio segmentation
Business Impact
  • Standardized operations
  • Improved compliance
  • Enhanced efficiency
FAQs

Frequently Asked Questions

Yes, our API-first architecture ensures seamless integration with any legacy or modern core banking platform.
It can operate as a standalone collections product or as a fully integrated component of the broader eMACH.ai lending platform stack.
 
Absolutely. Agents can view cases and capture data offline, which automatically syncs once connectivity is restored.
We offer a no-code configuration engine, allowing business users to update compliance rules, risk policies and workflows though a simple interface without the involvement and support ot IT teams.
 
Yes, our Champion/Challenger module allows you to run A/B tests on live portfolios to find the most effective approach.
The system includes a dedicated Agency Queue for automatic case allocation, real-time vendor performance tracking, and compliance enforcement.
It allows the bank to track vendor performance in real-time and ensure external agents adhere to the bank’s specific compliance rules
Yes. It’s a multi-asset class platform managing high-volume Retail loans and complex Corporate/SME debt structures in one unified system.

With AI-powered natural language to SQL, non-technical users can build sophisticated collection queues simply by describing their needs in plain English.

Yes. The system is designed for global scale, supporting multi-entity, multi-currency, and multi-language configurations.

This enables global banks to manage diverse portfolios across different geographies within a single unified system.

Yes. eMACH.ai Debt Collection is a multi-asset class platform.

It is equally capable of managing high-volume retail loans (Cards, Auto, Personal) and the high complexity of Corporate/SME debt structures.

Lenders have complete flexibility to choose between Public Cloud, Private Cloud, or On-Premise installation.

The cloud-native architecture scales effortlessly to manage millions of accounts while respecting the bank’s specific IT and data residency policies.

Customer Success Stories

Delivering Tangible Impact Across Global Banks​

Khan Bank Digitalizes Collections

Khan Bank selected Intellect’s debt management solution to modernize its collection processes, applying intelligent segmentation, prioritized workflows, and tailored communication strategies — improving contact rates and operational efficiency.

First Abu Dhabi Bank Deploys Next-Gen Collections

First Abu Dhabi Bank implemented the eMACH.ai debt management system to automate strategy execution, unify data across subsystems, and gain real-time portfolio visibility — enabling streamlined collections and reduced recovery costs.

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Awards and Recognition

Recognized Excellence

National AI Awards 2025

AI Award for Financial ServicesRecognised for deploying enterprise-grade AI digital experts with measurable business impact.

Award

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Intellect

Chartis: Industry-recognized strength in credit risk management modernization

Intellect Credit Risk Management has been recognised as LEADERS in 3 different quadrants & Best-of-breed

Analyst Recognition

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Treasury & Capital Markets

Chartis: Ranked among global leaders shaping the future of financial technology

Intellect Consumer Banking has been ranked 26 (Jumping 2 places up from 28) in Chartis

Analyst Recognition

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Core Banking
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