• CDOXS

COLLECT360

COLLECT360

DEBT COLLECTION PLATFORM

Control Your Business. Achieve Your Goals.

A single, configurable platform spanning collections strategy, omnichannel engagement, field recovery, and organization-wide performance reporting.

  • PLATFORM OVERVIEW

A Configurable Engine for Debt Collections

A Configurable Engine for Debt Collections

Collect360 is built to deliver measurable improvement in collections performance. Advanced analytics and machine learning prioritize the right actions on the right accounts.

The platform supports the entire debt lifecycle — automating routine processes and enabling customer interaction across both traditional and digital channels.

Configurability without custom development

By balancing customer needs with business objectives at every touchpoint, Collect360 turns collections complexity into a simple, cost-effective, compliant process.

Strategies & Workflows

Design and control automated collections decisions

Organizational Structure

Centralized or distributed models, your choice

Product Types

Retail, corporate, and other portfolio types

Reporting

Rich out-of-the-box reports plus ad hoc design

COLLECTIONS LIFECYCLE

One Platform, Every Stage of the Customer Journey

Full Lifecycle Coverage

From proactive early-stage actions through legal recovery, written-off portfolio management, and asset recovery — all on one integrated platform with a 360° account view that helps agents prioritize their workload.

Omnichannel Engagement

Reach customers on the channel they prefer. A self-service portal plus two-way SMS, e-mail, and WhatsApp support, with responsive design for desktop and mobile.

Third-Party Collaboration

Extend capacity by giving Debt Collection Agencies online access to the same agent interface, with real-time visibility into their performance — or support offline cooperation.

Optimized Field Recovery

Route optimization increases cash collected per hour. Field actions sync in real time, giving supervisors live visibility into promises-to-pay and cash collected per officer.

  • KEY CAPABILITIES

Everything Collections Teams Need, Configured to Fit

Strategy Design & Testing

Build, test, and deploy strategies without IT — with scorecards, budgeting, and champion/challenger simulation built in.

360° Customer View

A configurable agent interface that streamlines activity and improves outcomes for every debtor.

Digital Self-Service

Promise-to-pay arrangements and online payments through seamless digital channel integration.

Field Visit Optimization

Instant customer data, optimized routes, and on-tab receipting for field collectors.

Third-Party Collaboration

Integrate DCAs into the recovery process as seamlessly as in-house agents.

Compliance by Design

Configurable workflows — not rigid rule sets — keep operations aligned to regulation.

ORGANIZATIONAL DESIGN

A Clear Chain of Ownership, Corporate and Retail

The same governance model is mirrored across Corporate and Retail portfolios, giving every level clear visibility into performance below it.

Country Manager

Owns national portfolio performance and strategy

Regional Manager

Oversees performance by region, city, and branch

Team Leader

Distributes portfolio and monitors collector output

Collector

Executes calling, recovery, and resolution activity

Corporate Team Structure

Serves corporate and commercial banking portfolios across multiple products with specialized high-value workflows.

Retail Team Structure

Serves retail and consumer portfolios with product-specific workflows

ROLE-BASED WORKFLOW

The Right Actions for Every Level of the Team

Manager

  • Allocates portfolio and monitors performance by Team Leader, team, and collector
  • Tracks calling performance, PTP/BPTP/uncontactable and repossession status
  • Reviews recovery and follow-up targets against actuals
  • Approves settlements and repossession requests

Team Leader

  • Distributes and allocates portfolio to collectors
  • Monitors collector calling, recovery, and resolution performance
  • Escalates missed follow-ups and pending settlements
  • Tracks expected bucket flow and daily team activity

Collector

  • Executes customer calling and updates the system in real time
  • Manages follow-up reminders and SMS / legal notices
  • Works toward daily calling, recovery, and resolution targets
  • Recommends settlements, field visits, and legal action

PERFORMANCE DASHBOARDS

Reporting Built Around Every Role

Country Manager

  • Team, region, city, branch, and collector performance
  • Portfolio review and expected bucket flow by geography
  • Legal status and repossession reporting by product

Regional Manager

  • Manager-to-collector performance review
  • Regional performance by product, city, and team
  • Recovery and bucket flow vs. target

Team Leader

  • Collector daily calling and productivity
  • Portfolio performance by bucket and status
  • Team recovery and flow vs. target

Collector

  • Calling and recovery reports, target vs. actual
  • Expected closing based on current status
  • PTP, BPTP, follow-up, and settlement reporting

REPOSSESSION & CORE SYSTEMS

Purpose-Built Modules Beyond Standard Collections

Repossession Module
  • Real-time alerts and live status updates for the repossession team
  • SMS-based live updates supporting accurate, timely action
  • Full stock inventory tracking for repossessed vehicles
Flexible, Layered Management

Multiple podium-based management layers with customized reports per team need

Document Handling

Built-in scanning module and exports to Excel or print-ready format

Live Communication

SMS and e-mail delivery with customizable templates by activity

Legal Monitoring

Dedicated module for tracking the legal process end to end

PROVEN RESULTS

Success Story: Cash Back, U.A.E.

“A remarkably clean implementation, from day one.”

Emad Shazley

Country Collections Head

50%

Increase in productivity from a single, unified platform

1 Day

Time-to-deliver for new collections strategies, down from two weeks

95%

Collectability achieved by a large U.A.E. collections firm on a growing portfolio

Challenge

Limited collections efficiency and customer visibility, with strategies too slow to adapt to shifting market and regulatory needs.

Solution

Collect360 was implemented across 12 banks and 350K accounts in under one month, now run by 150+ collectors, 15 team leaders, and 5 managers.

Result

A single platform with a full 360° view lifted productivity and cut strategy deployment time from two weeks to one day.

Let’s discuss what Collect360 can do for your collections operation.