Segmentation, conversation, negotiation, reconciliation and reporting in one system that sits on top of the stack you already run.
Every overdue account is scored the moment it arrives, and the score decides the strategy.
Payment history, product type and how the customer has responded before — not days past due on its own.
Each segment gets its own tone, cadence and channel, applied without anyone assigning it.
A self-cure account that goes quiet stops being treated as one.
One case, every channel, in the language the customer answers in.
Hi Marco, it’s Ayra calling on behalf of your lender about your overdue payment of $240.
I know, money’s been tight this month.
Understood. I can split it — $120 today, $120 in two weeks, no late fee. Does that work?
Yeah, that helps. Let’s do it.
Done. I’m texting you the secure link now. Thanks, Marco.
The same agent and the same rules, in the language the customer answers in — switching language mid-conversation when they do.
One customer can carry several debts. Each gets its own case, its own stage, and a timeline of what actually happened — not a template with the blanks filled in.
Three nested levels: where the case stands, which stage of collection it is in, and what the last interaction actually produced. Specific enough to act on, not a single status field doing four jobs.
Every contact, offer, promise, payment and escalation in the order it happened, with the channel it happened on.
Switch between a customer's cases without losing context, and see the whole relationship rather than one invoice.
Autonomy is the default, not the rule. A rep can take any case, work it manually, and hand it back — all of it audited.
A rep claims a case and Ayra stops contacting. Status, stage and the next action are theirs until they release it.
Log an interaction, record a promise or a plan, change the stage, add notes that stay on the case.
Return the case to Ayra with everything that happened in between already on the timeline, so it picks up where the person left off.
Move a case between collectors, and surface cases sitting with no owner instead of letting them go quiet.
Who changed what, when, and what it was before. The record does not distinguish between a person and an agent — both are accountable to it.
Disputes, hardship and legal threats arrive with the full case behind them, not as a bare handoff.
A case closes when your system confirms the money arrived — reconciled file against file, not because someone said yes.
Recorded on the case with the date and amount agreed. Nothing is resolved yet.
A secure payment link on the channel the customer is already using.
The customer pays, or sends a reference or receipt. Ayra follows up for it if they don't.
Reconciled against your report or your system of record. This is the step most tools skip.
Only now. Until the money is confirmed, the case stays open and keeps working.
Three views on its own work — and then the thing a dashboard usually doesn't do: tell the manager what to change.
What is in treatment, what resolved, what escalated and what it cost — by segment, channel and strategy.
Compliance adherence, identity verification, tone, escalation accuracy, and where a conversation went wrong. Quality is measured, not assumed.
Volume, handling time, cost per resolved case, and the ratio of autonomous to escalated work.
Self-cure accounts first contacted on WhatsApp before 11:00 are resolving noticeably faster than the same segment contacted after 16:00.
Separate views for your team and for ours, so neither side is reading the other's dashboard.
Book a demo and we'll work a sample of your overdue book end to end.