Banking · Collections

Lower delinquency. Faster recovery.

Agents that call, message, and email past-due customers across every channel — capturing promises to pay, automating follow-ups, and enforcing fair-practice rules on every single contact.

Voice · WhatsApp · Email orchestrated Promise-to-pay auto-logged Fair-practice rules enforced Every conversation audit-logged
4
outreach channels, orchestrated
100%
of contacts audit-logged
24/7
recovery operation
Auto
promise-to-pay tracking
Anatomy of a Recovery

One customer. Three weeks. Full recovery.

A typical recovery sequence, step by step — every channel choreographed, every step configurable to your collections policy and segment risk profile.

DAY 1 · WHATSAPP

Soft reminder

A friendly nudge with the amount, the due date, and a one-tap payment link. Tone: warm.

DAY 3 · VOICE

Follow-up call

A natural voice conversation. The customer commits to paying by Friday — the promise-to-pay is captured and logged automatically.

DAY 7 · EMAIL

Formal notice

The promise was missed, so the sequence escalates: a formal notice goes out, referencing the recorded commitment.

DAY 10 · CHAT

Payment plan agreed

The customer explains a hardship. The agent offers a compliant instalment plan within your policy — three payments over ninety days. Tone: empathetic.

DAY 14 · AUTO-DEBIT

First instalment received

The first payment lands on schedule. The plan tracker updates and the next reminder arms itself.

DAY 21 · RESOLVED

Recovery complete

Full balance on track, account in good standing — and a customer retained rather than written off.

Live Recovery Floor

Hundreds of conversations, all in flight

RECOVERY OPS · LIVE
47 active conversations · 1,284 resolved today
AGENT-V03 · Talking — "…I can pay by Friday if you give me until then…"
✓ AGENT-V07 · PTP captured — $320 by 25 Mar
AGENT-C04 · Plan agreed — 3 instalments, first due 20 Apr
⚠ AGENT-V05 · Dispute raised — routed to human team
✓ AGENT-E03 · Payment confirmed via email reply

A recovery operation you can actually see

Multiple agents work in parallel across voice, WhatsApp, email, and chat — every conversation visible, every outcome logged the second it happens.

  • Live board of every active conversation and outcome
  • Disputes and hardship cases route straight to humans
  • Per-second audit trail across the whole floor
Voice WhatsApp Email Chat
The Moment It Matters

A promise. Captured. Logged.

From spoken word to defensible record in seconds.

STEP 01

Spoken

The customer commits on the call — the agent confirms amount and date in plain language.

Natural conversation
STEP 02

Captured

The commitment is extracted and structured: amount, date, channel, consent.

Backed by the recording
STEP 03

Sealed

The record is written to a tamper-evident log — timestamped, traceable, audit-ready.

Defensible at review
Compliance Shield

Every contact cleared before it dials

Non-compliant outreach blocked at source

Fair-practice rules, contact-hour windows, opt-outs, and disclosure requirements are checked automatically before any contact is attempted — configurable per jurisdiction and per policy.

  • Rules enforced before dialling, not audited after
  • Configurable per jurisdiction, product, and segment
  • Every check and its result on the audit trail
PRE-CONTACT VERIFICATION
Time-of-day rules — within permitted hours
Do-not-disturb registry check
Opt-out status confirmed
Recording disclosure ready, customer language
Identity verification prepared
Call dispatched — fully compliant
Built for Collections

Why banks choose Ovado

COMPLIANCE

Enforced at source

Every contact is checked against fair-practice rules, DND lists, and opt-outs before it happens — blocked at source, not flagged after.

ORCHESTRATION

The right channel, every time

Voice, WhatsApp, email, and chat sequenced by segment, risk profile, and response behaviour.

TONE

Firm where needed, human always

Tone policies per stage — friendly reminder to formal notice — with hardship cases routed to empathetic plans.

AUDIT

Every second on the record

Conversations, promises, and escalations logged tamper-evidently, exportable for any review.

FAQ

Common questions, answered

When a customer commits during any conversation, the agent confirms the amount and date, then writes a structured, timestamped record backed by the recording or transcript — and arms the follow-up automatically.

The sequence stops escalating immediately. Disputes route to your human team with full context; hardship cases are offered compliant restructuring options within the policies you define.

Everything is configurable — contact hours, channel order, tone per stage, escalation thresholds, and jurisdiction-specific rules. The compliance checks run before every single contact.

Yes — balances, due dates, and payment status come live from your core; payments, plans, and outcomes write back under policy control.

Get Started

Recover more. Burn less. Keep the customer.

See a full recovery sequence run live — reminder to promise-to-pay — in your first demo.

Book a Demo