SmartCollect Pro

An intelligent collection system for automotive finance, enabling data interoperability via an end-to-end post-loan platform. Integrating risk models, it segments overdue accounts to assign strategies and optimizes multi-channel outreach with full traceability. This enhances recovery efficiency, reduces NPLs and costs, while balancing outcomes with customer experience.

Case Introduction

An AI-powered auto finance collection system that streamlines delinquent loan operations end-to-end. It integrates risk and business data to segment accounts, match strategies, and auto-allocate tasks. Intelligent algorithms optimize multi-channel outreach with real-time traceability. This boosts recovery efficiency, cuts NPLs and labor costs, and enhances customer experience through soft collection.

Pain Points and Requirements

Case Highlights

End-to-End Closed-Loop Control

The system establishes an integrated collection platform covering 'query-follow-up-allocation-write-off', breaking down data silos between risk control and delinquency management to enable real-time interoperability. It supports multi-dimensional delinquent account queries, synchronized follow-up records, and full lifecycle management of write-off contracts—standardizing operational protocols across all stages. This standardizes, transparentizes, and makes the collection process fully traceable, effectively resolving issues of fragmentation and low collaboration efficiency inherent in traditional collection operations, and providing stable, efficient system support for refined post-loan operations.

Intelligent Segmentation for Precise Intervention

Leveraging multi-dimensional indicators—including delinquency days, outstanding amount, and customer repayment willingness—and integrating them with risk control models, the system enables precise classification of delinquent accounts by risk level and recovery potential. It automatically matches differentiated collection strategies and intelligently assigns tasks based on collector capability and workload saturation—replacing traditional coarse-grained operations. This boosts recovery rates for high-value cases, reduces ineffective outreach and manpower waste, ensures precise and efficient allocation of collection resources, and lowers operational costs.

Flexible Collection to Ensure Compliance and Efficiency

The system embeds intelligent algorithms to analyze customer collection response data and behavioral preferences, dynamically optimizing multi-channel outreach timing, frequency, and content. It adopts a gentle, compliant, soft-collection approach to reduce customer resistance. The entire collection process is fully traceable with complete audit trails, strictly adhering to compliance requirements and avoiding excessive collection practices. This simultaneously enhances delinquency recovery rates, reduces non-performing loan ratios, minimizes customer complaints, and achieves dual improvements in collection efficiency, regulatory compliance, and customer experience.

Case Page Display

Account Details Page

An account detail management page built around the full lifecycle management needs of personal loans, achieving centralized display and efficient management of contract information through multidimensional data integration. It enables business staff to quickly view core information—including contract number, contract status, delinquency days, remaining amount due, and collateral type—while incorporating dealer information and work queue identifiers to precisely determine business ownership and processing progress. The system features comprehensive historical record tracking, logging the timestamp, type, handling method, and specific content of every business operation in real time, and supporting annotations and follow-up deadline settings—ensuring full traceability and auditability at critical process nodes. The page also integrates financial records and change request logs, unifying business and fund data flows to ensure consistent, transparent information, and provides online generation and download of notification letters to meet standardized document output requirements. This page significantly enhances information integration capability and operational efficiency in post-loan management, rendering business processing more standardized, clear, and controllable.

Write-off Management Page

A write-off management page tailored for asset disposal and write-off business scenarios, enabling efficient write-off process management through flexible filtering and data visualization. It supports rapid filtering of target data by contract status and provides capabilities for uploading and auto-generating write-off analysis reports, standardizing write-off data processing workflows. Key information—including contract number, contract status, primary borrower name, delinquency days, and remaining amount due—is centrally displayed in a structured list format. Additionally, the system identifies responsible personnel and indicates upload/generation status of write-off analysis reports, along with generation dates—helping business staff intuitively monitor write-off progress and documentation readiness. Auto-generation of write-off analysis reports significantly reduces manual data compilation effort, improves data accuracy and processing efficiency, and renders write-off work more standardized and transparent. This page realizes closed-loop management—from data filtering and analysis to execution—substantially enhancing write-off processing efficiency and distressed asset disposal capability.

Case Page Display

Project Value

Enhance Post-Loan Recovery Efficiency

The system enables intelligent segmentation and differentiated collection, prioritizing high-risk accounts for focused follow-up, effectively increasing overdue recovery rates and reducing non-performing loan ratios. End-to-end closed-loop management shortens the collection cycle, reduces bad debt generation, directly lowers post-loan losses for financial institutions, and provides strong support for stable asset quality.

Optimize Operational Resource Allocation

Leveraging intelligent queue allocation and automated strategies replaces traditional manual, coarse-grained management, reducing redundant labor and ineffective communication. The system allocates cases and human resources rationally, improving collector productivity, lowering manpower investment and operational costs, and maximizing resource utilization.

Strengthen Compliance and Customer Experience

Adopting a flexible collection approach with full-process traceability standardizes collection behavior and prevents excessive collection that may trigger complaints. While ensuring recovery effectiveness, this approach maintains customer relationships and institutional brand image, enhances business compliance, and achieves balanced development between efficient collection and positive customer experience.