Smart Repayments
Encore Pay
Simplify collections for Bank/NBFCs. From tracking field agents to enabling multi-mode repayments, bring all your recovery operations under one unified platform.
Simplify collections for Bank/NBFCs. From tracking field agents to enabling multi-mode repayments, bring all your recovery operations under one unified platform.
Encore Pay is a powerful field collections management system designed for Bank/NBFCs to streamline their loan repayment processes. Whether your customers repay through cash, cheque, or digital modes like UPI, Encore Pay brings all channels under one roof.
Built to improve field team productivity and reduce delinquency, it offers real-time tracking, intelligent customer allocation, and AI-powered insights. From Relationship Officer (RO) monitoring to call quality analysis, Encore Pay empowers you to recover loans faster while staying audit-ready.
An agent behaving poorly with a customer can turn into a PR nightmare. Encore Pay protects your brand by integrating directly with voice conferencing providers to record and audit every interaction.
Our built-in AI doesn't just store calls—it actively analyzes them. We transcribe conversations and perform Sentiment & Emotion Analysis to instantly flag aggression or misconduct, allowing you to intervene before it becomes news.
Collect via cash, cheque/DD, UPI, or payment gateways. All tracked and reconciled automatically in one system.
Integrated voice conferencing for reminders with AI-based transcription and automated call quality analysis.
Track RO location in real-time. Assign ad-hoc collections based on proximity and navigate best routes.
Monitor Cash Movement, Delinquency Tracking, Collection vs Allocation, and Debt Recovery Status live.
Bulk upload employees, generate bulk payment links, and auto-allocate customers based on your logic.
Access deep insights: Payment Reports, Tele-caller Performance, RO Travel Activity, and Cash in Hand.
Manage your operations with strict internal controls. Use rule-based customer assignment logic with options for manual override when necessary.
Approvals for waivers, discounts, or settlements.
Every waiver and status change is logged for compliance.
Encore Pay supports cash, cheque/DD, and digital modes like UPI and payment gateways, with integration options for multiple providers.
The system uses GPS-based location tracking to monitor Relationship Officers (ROs) in real time. Managers can assign ad-hoc collections or plan optimal routes.
Yes, Calls between RO and customers are recorded, transcribed and analysed using AI for quality checks.
Absolutely. It supports bulk uploads for employee onboarding, and bulk generation of payment links for efficient operations.
Allocation is automated based on NBFC-specific rules (pin code, bucket, etc.), with options for manual override when needed.
Yes. It includes an Authorization Matrix for handling waivers, settlements, and other sensitive operations, ensuring proper checks.