Loan recovery & delinquency management that actually works

Recovery outcomes are decided in the first days of arrears, not at month-end. The institutions that recover most are the ones that see overdue installments immediately and act with a clear, consistent process.

A working recovery loop

• Surface every overdue installment from day one — grouped by borrower
• Contact fast: name + phone one tap away (call/SMS)
• Apply penalties consistently, capped so they never exceed the principal
• Record promises-to-pay and auto-chase missed ones
• Escalate to restructure, reschedule or write-off with approvals

Penalties, fairly applied

A daily penalty should be transparent and bounded. Ingata ILBMS charges on the unpaid overdue principal, shows the accruing amount live, and caps it at 100% of the base — so penalties stay defensible and borrowers are treated consistently.

Provisioning follows automatically

As soon as an installment is one day late the loan moves to Watch and provisioning begins, escalating by BNR day-bands — no manual recalculation, full audit trail.