Patterns it recognises
Behaviour has a shape. Arrears usually announce themselves.
Consistent early
Pays days before due, every month. A candidate for top-up offers, not reminders.
Payday-aligned
Always a few days after salary lands. Often fixed by moving the due date, not by calling.
Drifting later
The payment date creeps across the month. The clearest early signal of coming arrears.
Partial, then catch-up
Half now, half later, then whole. Usually cash-flow timing, not intent.
Seasonal
Harvest cycles, festival months, school-fee season. Predictable, so plan for it rather than chase it.
Sudden stop
Reliable, then nothing. Usually a life event. Priority for a human conversation.
From pattern to action
A collections queue that is ranked by what will work.
Ingest the ledger
Repayment schedules and actual receipts from core banking, nightly.
Segment
Each borrower is placed in a behaviour pattern, with the instalments that put them there.
Detect drift
Changes from a borrower’s own baseline are flagged, not just lateness against the schedule.
Rank & suggest
A daily queue with a suggested action: reminder, call, due-date change, restructure conversation.
Learn from outcomes
Officers record what happened. What worked for whom shapes tomorrow’s suggestions.
Kinder collections
Fewer calls. Better-timed ones.
Most late payers are not unwilling. They are mistimed. Knowing the difference lets a small collections team spend its day on the conversations that matter, and leave reliable customers alone.
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Cash Pool Management
Expected collections by branch and week become the liquidity forecast.
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Borrower Profile Prediction
How similar borrowers actually repaid is the ground truth for new applications.
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Finance Risk Analyst
Drift across a segment becomes an early-warning finding in the weekly memo.
Who decides
Collections officers choose the action.
Works with