What We Do
Expertise & Infrastructure
Complete collection lifecycle management — from pre-due reminders to write-off recovery — using a strategic bucket-wise model with telecalling, field visits, and digital engagement.
Service Overview
Full-Lifecycle Collection Services
Our services cover the complete collection lifecycle, starting from pre-due reminder calls to post-billing follow-ups, and extending to advanced-stage recovery including high-risk and write-off accounts.
We follow a strategic bucket-wise recovery model, managing accounts across all delinquency stages (0–30, 30–60, 60–90, 90–120, 120–150, 150–190, and 190+ days). Each bucket is handled with a customized communication approach and recovery strategy to ensure maximum effectiveness.
Core Operations Include
- Pre-due reminder calling to ensure timely payments
- Post-billing follow-ups with strong commitment tracking (PTP management)
- Bucket-wise telecalling with adaptive communication strategies
- WhatsApp and digital follow-ups for faster engagement
- Field collection visits for critical and high-value accounts
- Customer behavior analysis and resolution-based negotiation
- One-Time Settlement (OTS) handling for high overdue cases
Our Combined Approach
We combine telecalling and field collection efforts to create a strong and consistent recovery mechanism. Our team is trained to handle customers across all stages — ranging from soft reminders to strict recovery actions — while maintaining professionalism and compliance.
Service Categories
What We Offer
Pre-Due Reminder Calling
Proactive outreach before the due date to prompt timely payments, reduce defaults, and build a habit of on-time repayment among customers.
Post-Billing Follow-Ups & PTP Management
Structured follow-up calls after billing with rigorous Promise to Pay (PTP) tracking, broken-PTP callbacks, and daily commitment conversion.
Bucket-Wise Telecalling
Customized communication strategy for each DPD bucket — soft tone for early buckets, firmer approach for later stages — always within compliance.
WhatsApp & Digital Follow-Ups
Multi-channel engagement using WhatsApp messages and digital nudges for faster customer response and higher contact rates.
Field Collection Visits
Ground-level physical visits for critical, high-value, and unresponsive accounts across Delhi NCR by our trained field executive team.
OTS & Resolution Negotiation
One-Time Settlement (OTS) facilitation and resolution-based negotiation for high overdue and write-off stage accounts, maximizing final recovery.
Delinquency Coverage
Bucket-Wise Recovery Model
We manage accounts across all DPD stages with tailored strategies, ensuring no account is left behind regardless of its delinquency level.
| Bucket | DPD Range | Stage | Primary Approach |
|---|---|---|---|
| Pre-Due | DPD -0 to 1 | Before Due Date | Soft reminder calls, payment channel guidance, PTP collection |
| BKT-0 | 0 – 30 Days | Early Stage | Immediate post-billing follow-up, daily callbacks, PTP tracking |
| BKT-1 | 30 – 60 Days | Early Delinquency | Intensified calling, objection handling, partial payment negotiation |
| BKT-2 | 60 – 90 Days | Mid Delinquency | Field visit coordination, firmer tone, escalation protocols |
| BKT-3 | 90 – 120 Days | High Risk | Field executive visits, skip tracing, resolution negotiation |
| BKT-4 | 120 – 150 Days | High Overdue | OTS discussions, settlement facilitation, field recovery |
| BKT-5 | 150 – 190 Days | Critical Stage | Dedicated recovery team, legal escalation flags, OTS closure |
| BKT-6 / WO | 190+ Days | Write-Off Stage | Write-off recovery campaigns, maximum settlement, legal support |
Our Strengths
Where We Excel
Our strength lies in combining disciplined telecalling, structured field operations, and data-driven follow-ups to deliver consistent results across all bucket stages.
High recovery ratios across all buckets — from early-stage BKT-0 to advanced write-off cases
Strong follow-up discipline and commitment conversion — broken PTPs are chased same-day
Efficient handling of difficult and high-risk customers using behavior-based communication
Reduced roll rates and minimized write-offs through early intervention and consistent engagement
Professional and ethical communication practices — fully compliant, protecting your brand at every touchpoint
Why Bucket-Wise Strategy Works
A one-size-fits-all approach fails in debt recovery. Each customer's situation is unique, and each delinquency stage demands a different tone, urgency level, and resolution offer. Our bucket-wise model ensures the right message reaches the right customer at the right time — maximizing response and recovery.
Reporting & MIS We Provide
- Daily call report with disposition codes
- PTP collection & broken-PTP tracker
- Weekly caller performance summary
- Monthly bucket movement & roll-rate analysis
- OTS case status & settlement tracker
- Field visit report with outcomes
- Custom MIS formats as per client requirement
Process & Discipline
Our Working Approach
Case Allocation & Bucket Sorting
Accounts are sorted by DPD bucket, loan product, customer risk profile, and value. High-risk and high-value cases get dedicated senior callers and field teams.
Adaptive Communication per Bucket
Tone and messaging are adjusted per bucket stage — soft and helpful for early stages, firm and resolution-focused for advanced buckets. Scripts are tailored per client product.
Multi-Channel Engagement
Telecalling is supported by WhatsApp follow-ups and digital nudges. For unresponsive accounts, field executives are deployed within defined SLAs.
PTP Tracking & Broken-PTP Recovery
All customer commitments are logged, tracked, and followed up on the promised date. Broken PTPs trigger immediate re-calling — no commitment is missed.
OTS & Resolution Closure
For high overdue and write-off cases, our team facilitates OTS negotiations within client-approved limits and ensures settlement closure with proper documentation.
Our Core Philosophy
We believe every customer interaction — at any DPD stage — is an opportunity to recover dues while preserving the client relationship. Aggressive tactics create complaints and damage brand trust. Our trained approach delivers better results with better compliance.
Technology & Tools
- Auto-dialer and predictive dialing systems
- Call recording and QA monitoring
- WhatsApp Business messaging
- CRM-based case tracking and disposition logging
- Real-time supervisor dashboards
Physical Setup
Our Infrastructure
RC Management is registered at Janakpuri East, New Delhi with all mandatory infrastructure for high-volume collection operations.
Human Resources
Trained & Certified Manpower
All our tele-callers and field executives are DRA-certified and undergo regular training on compliance, communication, and product knowledge.