Recover Revenue

Improve repayment outcomes before delinquency becomes loss.

Collections performance is rarely constrained by effort.

It is constrained by prioritisation, timing and intervention quality.

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Fundamento enables lenders to personalise collections strategies across DPD buckets, risk categories, PTP commitments and borrower behaviour.

Payment Risk

Where Recovery Leaks

Collections Stage Common Challenge
Bucket 0 Missed reminders
DPD 1–30 Low contactability
DPD 31–60 Broken PTPs
DPD 61–90 Escalating risk
NPA Low recovery probability

Current Approach

Why Traditional Approaches Plateau

Existing Approach
Limitation
Bulk collections calls

Generic outreach

Agent-heavy operations

High costs

Static workflows

No personalisation

DPD segmentation

Limited intelligence

Reporting systems

Reactive management

Module 3

The Fundamento Approach

Fundamento combines repayment intelligence, behavioural modelling and AI-led
engagement to improve recovery outcomes across the collections lifecycle.

Platform Blueprint

System Architecture

  • Repayment Intelligence

    Risk assessment

  • Collections Journeys

    Intervention orchestration

  • AI Engagement Layer

    Scalable outreach

  • PTP Intelligence

    Commitment tracking

  • Human Negotiation Layer

    Complex recoveries

  • Escalation Framework

    Resource allocation

  • Signal OS™

    Optimisation

Signal OS™ Intelligence Layer

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Assisted Recovery

AI + Human Operating Model

  • Early bucket outreach
  • PTP tracking
  • Status communication
  • Payment reminders
  • Follow-ups

Business Outcomes

  • ↑ Recovery Yield
  • ↑ PTP Kept Rate
  • ↑ RPC Rate
  • ↓ Cost-to-Collect
  • ↑ Recovery Productivity

Business Impact

Proof of Performance

  • First EMI Reach

    ~94%

    connect rate

  • First EMI Success

    89%

    payment rate

  • Scale

    12 languages

    Collections calling across

Platform Advantage

Why Fundamento

Traditional Collections

Fundamento Recovery System

DPD-based outreach
Behaviour-based outreach
Static segmentation
Dynamic intelligence
Agent-heavy execution
AI + Human execution
Recovery reporting
Recovery optimisation
Activity focus
Outcome focus