Collection System

Based on the actual monitoring strategies, even from the first warning signs, non-performing loans can be handled by the ApPello Debt Collection Solution. Different workflows may be defined in order to prevent or in a later phase handle workout, the system is able to support both soft or hard collection strategies. 

The system gives the opportunity to manage the complete workout portfolio from the very first phone call to the closure and legal processes within a single, well balanced application.

Product Details

The solution provides the best collection-related options and tools to create client segmentation, recognise patterns of client behaviour, and react to them as fast as the business needs.

The Debt Collection Module assists supports both soft (early) and hard (late, including legal phase) collection, supports  communication with clientsproposal handlingpay-off & portfolio analysis.


Comprehensive solution for early/late collection support

Automatic client segmentation

Configurable collection strategies & workflows

Easy & quick promise to pay recordings

Advanced built-in template management
Transparent external actor management

Complete SLA, pay-off & portfolio analysis

The flow of the
Debt Collection Process


  • Batch or online integration
    withCredit Bureau Services
  • Standard, predefined API’s
  • Automated segmentation

Collection strategy

  • Strategy builder
  • Unique strategies, configured by admin users
  • Process mapping and improvement without coding

Document management

  • Built-in document
    template editor
  • Configurable text messages,
    e-mails and letters

Decision strategy

  • Decision Workflows, both for soft and hard collection processes
  • Proposals preparation
  • Dynamic and custom processes

Loan settlement

  • Settlements monitoring
  • Automatic generation repayment contracts
  • Transparent PTP monitoring


  • SLA, pay-off & portfolio analysis
  • Improved EOD processes

Process follow-up

  • Quick and effective business process follow-up
  • Time saving and efficient reporting and analysis

Wide range of
Segmentation options

Automatic segmentation of outstanding non-performing loans and assigment of collection strategies managed by flexibly adjustable business rules (with a built-in rule engine and conditions defined by power users).

Early warning and Monitoring

Flexibly configurable
collection strategies

Automatically assigned collection strategies define the planned activities for the collection processes that are based on flexibly adjustable workflows and task management capabilities.

The role-based workflow may involve different internal departments as well as external parties. Power users can modify existing strategies and create new ones.

For hard collection processes, the system provides a workflow editor, where the power users can easily configure any hard collection flows within minutes, or even create new ones. With this flexibility the bank can adapt to the constantly changing financial and regulation environment.

Soft Collection

The tool provides a complete set of functions through strategy-based workflows. The system supports automatic generation of notifications (including e-mails, text messages and letters) based on various collection strategies with configurable templates, registration of payment promises and payment plans with customizable templates, and ad-hoc messaging options.

The Solution can be integrated with any existing interface such as a Call Center software or document management system. Any kind of client-facing communication (including bulk messaging) can be edited and controlled within the Debt Collection System that provides a complete document template editor.

Hard Collection

Complete hard collection workflows may be set up, and unique collection processes might be modeled. Monitoring clients’ transaction and behaviour, the recognition of patterns and termination of non-performing portfolios are supported by the built-in maker-checker proposal tool and the milestone-based history items.  The management of all external partners and assignment of tasks may be automated with the help of the the reporting tool. 

Accelerated decisions making &

The Collection System has a unique proposal module, for workout managers to define different scenarios for the decision-makers. All necessary and relevant information or P&L calculations are available real time. Additional information may be provided at any time, as modifications are stored and archived to ensure full transparency during the hard collection process. With the help of this solution the amount of proposals may be accelerated, in order to improve the workout portfolio.

with less time and effort

The reporting functions support decision makers to keep the collection strategy under supervision and obtain information at any time about the whole portfolio. Easy-to-create graphical tools (charts), configurable, searchable and filterable list screens can be exported to Excel, CSV or PDF. Any type of lists, charts or custom reports are supported.

ApPello’s Collection Solution provides a complex SLA measurement module that brings full transparency to every task. Power users can define standard execution times for every task that can be parameterized via Excel import files or within the application, on a graphical interface. The configurable summary screens support supervisors to see all task related data in order to optimize the daily processes and improve the department’s performance.


You might also be interested in our other lending solutions


module is responsible for checking the terms & conditions of contracting and disbursement among others and for early identification of future non-performance.

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the Brochure
Please fill out the download form and you will receive the download link in an email.