RISK

TECHNOLOGIES MANAGEMENT

COMPANY
PROFILE
 FINANCIAL PLANNING CYCLE

Identify Potential Risks Monitoring &

Reviewing the Risk

RISK
Analysing the Risk MANAGEMENT
PROCESS Treating the Risk

Evaluating the Risk

TECHNOLOGIES
About us
Welcome to Axiotta Technologies Pvt Ltd, your trusted
partner in debt recovery solutions. With a proven track
record, we specialize in navigating the complexities of debt
collection with a client-centric approach.

At Axiotta Technologies, our dedicated team of

professionals is committed to ensuring a seamless and
ethical debt recovery process. With a focus on compliance
and legal standards, we employ strategic methods to
recover outstanding debts while maintaining the utmost
respect for individuals and businesses.

Our mission is to alleviate the burden of unpaid debts for

our clients, providing a tailored and transparent service
that prioritizes results. Therefore, we are introducing AI into
our business model for voice chat, WhatsApp API, and IVR,
making us stand out from the competition.
OFFICE
LOCATED
AT
Mumbai

Ghatkoper

Bhayandar

TECHNOLOGIES
OUR
CLIENTS
 Company
Service

Calling FOS AI Saas

Calling team contacts debtors by field Officers are tracked in Automate communication
calls to discuss repayment options real-time with our CMS and with debtors through chatbots,
and negotiate settlements with their visit debtors for in-person voice bots and SMS, providing
interactions and reminders and collecting
Expertise & Experience. They are
negotiations to resolve payments.
tracked by the integrated CMS for
outstanding debts
effective monitoring

TECHNOLOGIES
 Product
Experties

Credit Card
Personal Loan

Home Loan Busniess Loans

Auto Loans

TECHNOLOGIES
WHY
US ?
TECHNOLOGIES
 AI
Revolutionizing Debt Recovery with AI Tools
INTEGRATED CRM
A visual representation
of the process model should
VOICE BOT be created by the team. WHATSAPP API
A proof of concept The team should begin by
should be carried out establishing the process's
by the team. milestones.

CHAT BOT IVR

Business processes The team makes any
should have clear last-minute changes to
objectives. the process.
 Initial Contact and Notifications:
Initial Contact and Notifications: Use
WhatsApp to send initial contact messages
and notifications to debtors regarding
outstanding payments or overdue accounts.
Send automated reminders for upcoming
payment deadlines or overdue invoices.

Payment Reminders and Options

Integration with CRM Systems: Send personalized payment reminders to
Integrate WhatsApp API with existing CRM debtors through WhatsApp, including
systems to streamline debt collection payment links or QR codes for easy
workflows and record communication payment processing. Provide multiple
history. payment options within WhatsApp, such as
Enable automatic updates and synchronization of debtor information payment gateways or digital wallets, to
between WhatsApp and CRM databases. facilitate quick and convenient payments.

Automated Responses and FAQs: Interactive Messaging

Enable two-way communication between debtors
Use chatbots powered by WhatsApp API to handle
and debt collection agents through WhatsApp. Allow
common queries and FAQs from debtors.
Provide instant responses to basic inquiries, debtors to respond to messages, ask questions, and
freeing up human agents to focus on more complex provide feedback directly via WhatsApp.
cases.

TECHNOLOGIES
BULK
SMS messages are delivered instantly, ensuring timely
communication with debtors regarding payment reminders,
deadlines, or other important information.

SMS High Open Rate: SMS messages have a high open rate
compared to emails, increasing the likelihood that debtors will
see and respond to your messages.

Personalized Messaging: Bulk SMS allows for personalized

messaging, such as addressing debtors by name or including
specific details about their outstanding debt, which can make the
communication more effective.

Automation: Bulk SMS can be automated, allowing you to

schedule reminders and notifications in advance, saving time
and effort.

TECHNOLOGIES
IVR
CALLS Callback Requests:
Debtors can request callbacks
from agents through IVR
systems, allowing them to
discuss their accounts and
payment options at a more
convenient time.

Payment Reminders: Automated Call Routing: Integration with CRM Systems:

IVR systems can be programmed to IVR systems can efficiently route incoming IVR systems can be integrated with
deliver automated payment reminders to calls from debtors to the appropriate CRM (Customer Relationship
debtors via phone calls, reducing the department or agent based on their needs, Management) systems to
need for manual follow-ups and reducing wait times and improving overall streamline data collection and
increasing the likelihood of timely customer experience. ensure that all interactions with
payments. debtors are logged and tracked for
future reference.

TECHNOLOGIES
CHAT
Data Collection and Analysis
Chatbots can collect and analyze debtor data,
providing valuable insights for debt collection
strategies and decision-making.

BOT
Integration with CRM Systems:
24/7 Availability:
Chatbots can provide round-the-
clock support, allowing debtors to
interact and resolve queries at any
time, improving customer service
Chatbots can be integrated with CRM
and satisfaction.
systems to ensure that all
interactions with debtors are logged
and tracked for future reference,
improving overall debt collection
efficiency. Payment Processing:
Chatbots can facilitate payments by
providing debtors with payment links,
Automated Responses: QR codes, or other payment options
within the chat interface, streamlining
Chatbots can provide instant
the payment process.
responses to common debtor
inquiries, such as payment
reminders, account balances, and
payment options, reducing the need
for manual intervention.

TECHNOLOGIES
VOICE
CHATBOT A call-based voice chatbot,
A call-based voice chatbot, also known
as an Interactive Voice Response (IVR)
system, can be customized to respond
Initial Greeting: with custom replies based on the
debtor's input.
The voice chatbot greets the debtor and
provides options for them to choose from
using keypad inputs or voice commands.

Interactive Communication:
The voice chatbot can engage in
interactive communication with the
debtor, allowing them to ask questions,
Custom Responses: provide feedback, or request assistance
Based on the debtor's selection, the voice as needed.
chatbot provides custom responses
tailored to their query or request

Feedback and Follow-up:

After the interaction, the voice chatbot can
provide feedback options for the debtor to rate
Integration with CRM Systems: their experience and follow up with additional
The voice chatbot can be integrated with CRM information or assistance if necessary.
systems to retrieve debtor information and
provide personalized responses based on their
account details.
TECHNOLOGIES
 INHOUSE Process
1

AI
1 Receiving Allocations: Chatbots for Initial Contact:
AI-powered chatbots are used for initial contact
Allocations are received from creditors, with debtors, providing them with information
in the form of a list of accounts or cases about their outstanding debts and possible
that require collection efforts. repayment options.
Reporting:
Providing regular reports to creditors on
the status of their allocated debts, Voice Bots for Follow-up Calls:
including recovery rates, payment
Segmentation: trends, and any challenges faced during Voice Bots for Follow-up Calls:AI-powered voice bots are
2
the collection process. used for follow-up calls with debtors, reminding them of
The allocated debts are segmented overdue payments and negotiating repayment plans.
based on various factors such as age of
the debt, amount owed, and debtor's
payment history. Data Synchronization:
Our AI tools and calling teams are seamlessly
integrated with our CMS, ensuring that all data, WhatsApp Bots for Communication:
including call records, feedback, and comparative AI-powered WhatsApp bots are used for
3 Prioritization: reports, are synchronized in real-time. communication with debtors, providing them with
Debts are prioritized based on their likelihood updates on their accounts and answering any
of recovery, with high-priority debts receiving questions they may have.
immediate attention.
Enhanced Efficiency:
The interconnection of AI and calling teams with
our CMS improves efficiency by streamlining data Bulk SMS for Notifications:
management and ensuring that all teams have
Assignment: 4 access to up-to-date information. Bulk SMS services are used for sending
notifications to debtors about upcoming payment
Assignment: Each debt is assigned to a
specific team or agent based on their deadlines and outstanding balances.
expertise and workload capacity.

5 Follow-up: Interactive Voice Response (IVR)

Regular follow-up with debtors to ensure adherence systems are used for payment processing,
to repayment plans and address any issues or allowing debtors to make payments over
concerns that may arise during the collection process. the phone using automated prompts.

TECHNOLOGIES
FOS ARE AVAILABLE

ENTER-
MAHARASHTRA
REGION

TECHNOLOGIES
FOS
OPERATIONS PERFORMANCE
SAFETY AND SECURITY
Knowing the location of FOs
enhances their safety and
MONITORING security, especially in remote or
The CMS allows for the high-risk areas.
monitoring of FO performance,
including response times and
completion rates.

1 3 5

2 4

REAL-TIME TRACKING OPTIMIZED ROUTING DATA ANALYSIS:

The CMS provides real-time Live tracking helps in optimizing Data collected from live tracking
tracking of FOs, allowing for FO routes, reducing travel time can be analyzed to identify trends
immediate visibility into their and costs and improve overall field
locations and activities. operations.
TECHNOLOGIES
Workflow
This workflow ensures efficient debt collection by leveraging
predictive calling, AI tools, and thorough analysis of customer
behavior.

Conneted cases Re Assigned

get from AI Broken PTP and
model & Calling Callback from 10
Continuous
Allocation to AI Model Team handel by days Assigned to Monitoring By
for Follow-up Respective team agent based on managers
leader their expertise

WhatsApp API
Debt Allocation Voice Calling Analysis Field Visits and
Calling Team for
Received Chatbot Customer Skip Tracing for
Predictive &
Behavior Non-responsive
SMS progresive
Cases broken
calling
PTP

TECHNOLOGIES
Company Goals
To revolutionize the debt collection
industry by leveraging cutting-edge
technology and providing exceptional
customer service.

Enhance Customer Engagement:

Utilize AI-powered voice chatbots to
04 provide personalized and interactive
Enhance Customer customer support.
03
Satisfaction Improve Collection Rates:
Provide a positive and Streamline debt collection processes to
seamless experience for increase efficiency and effectiveness.
debtors during the debt
collection process.

01 02 Ensure Compliance
Adhere to regulatory requirements and
data protection standards in all debt
collection activities.

TECHNOLOGIES
MISSION
"Our mission is to simplify the debt
collection process for both creditors
and debtors, ensuring fair and
efficient resolution of outstanding
debts."

TECHNOLOGIES
Statistics
At Debt Recovery Solutions, we specialize in providing comprehensive debt collection services tailored to
meet the unique needs of our clients. With a focus on efficiency, effectiveness, and customer satisfaction,
we have developed a balanced approach that combines the human touch of Field Officers (FOs), the
expertise of our in-house staff, and the cutting-edge capabilities of AI technology.

Field Officers In-house Staff

40% Comprising 40% of our workforce, our FOs play a 40% Accounting for another 40%, our in-house team
provides crucial support functions. They analyze
crucial role in our operations. They conduct in-
data, segment customers, and coordinate with
person visits to debtors, engaging in negotiations
FOs and AI models to ensure seamless
and building relationships to facilitate debt operations.
repayment.

AI Model
Leveraging the latest AI technology for
20% 20% of our operations, we automate
communication with debtors, predict
behavior, and optimize collection
strategies for maximum efficiency.

TECHNOLOGIES
 Qualities
Our Commitment:

Continuous Improvement: We are dedicated

to staying at the forefront of debt collection
practices, continuously improving our strategies
and technologies to deliver the best possible
Our Strengths results for our clients.

Customer Focus: We prioritize customer Compliance: We adhere to all RBI relevant laws
satisfaction, using our balanced approach to and regulations governing debt collection
tailor our collection strategies to the specific practices, ensuring that our operations are
needs and circumstances of each debtor. conducted ethically and legally.
Efficiency: Our balanced approach allows us to
optimize our resources, ensuring that each
component of our workforce is utilized effectively
to achieve the best possible outcomes.

TECHNOLOGIES
OUR
TEAM
Managers: 5 managers overseeing operations.

Team Leader: 17 team leader providing leadership and

guidance.

Callers: 56 callers in the in-house team.

Field Officers (FOS): 12 members based in Mumbai.

Expansion Plan: Planning to expand the team of callers

and Field Officers (FOs) with growing portfolios,

current setup of 80 team members.

TECHNOLOGIES
CODE
OF CONDUCT
Security Cameras: Ensure all office areas are covered with security cameras to monitor activities and
maintain a secure environment.

Fire Security :- Equip the office with comprehensive fire safety systems, including smoke detectors,
fire extinguishers, and clearly marked emergency exits.

Data Retention and Disposal: To ensure client data confidentiality, all data will be securely erased
every three months.

Biometric Access Control:- All entry points to record employee attendance accurately. This system
should log entry and exit times to ensure proper tracking of employee presence.

Regular Training :- all staff on ethical debt collection practices and legal requirements.

RBI Call Timing Compliance : Ensure all calls are made within the prescribed time limits set by the Reserve
Bank of India (RBI), typically between 8 AM and 7 PM.

TECHNOLOGIES
PERFORMANCE
Write-OFF

Month July Aug Sep Oct Nov Dec

Count 1667 3396 3110 3719 4417 4792

Size(cr) 3.52 11.81 12.74 14.75 16.33 19.54

Collection(L) 4.66 12.83 18.66 21.40 23.85 37.54

ROR 1.32% 1.09% 1.46% 1.45% 1.46% 1.92%

PERFORMANCE
Write-OFF

Month July Aug Sep Oct Nov Dec

Count 82 100 108 125 118 163

Size(cr) 0.98 1.36 1.57 2.86 2.79 2.25

Collection(L) 0.25 0.40 1.51 2.50 2.81 3.25

ROR 0.26% 0.29% 0.96% 0.87% 1.01% 1.04%

PERFORMANCE
Write-OFF

BNPL

Month Nov Dec

Count 1001 1494

Size(cr) 2.35 3.63

Collection(L) 4.20 8.25

ROR 1.79% 2.27%

PERFORMANCE
Write-OFF

PL
Month Nov Dec

Count 189 287

Size(cr) 1.13 1.83

Collection(L) 1.85 3.69

ROR 1.63% 2.0%

Thank
You
RISK
TECHNOLOGIES MANAGEMENT
www.axiotta.com
[email protected] 10