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Collections Management

Smarter Recoveries.  Minimal Friction.  Maximum Control.
PhotonMatters' Collections Suite is designed for the modern lender - combining intelligent automation, wallet-aware logic, and flexible rule-building to deliver faster recoveries with a borrower-first approach.
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Smart, No-Code
Recovery Logic

Create dynamic collection rules - no developers needed. Adjust by product type, borrower behavior, wallet balance, and DPD - all in real-time, with full visibility.
Smart, No-Code Recovery Logic
Configurable API-Based Scheduling

Configurable API-Based Scheduling

  • Automate collection triggers by geography, wallet provider, or loan type
  • Set custom intervals, retry logic, fallback flows, and escalation paths
  • Align perfectly with your business rules and borrower context
Flexible Collections, Human-Centric Approach

Flexible Collections, Human-Centric Approach

Support borrowers through tough times – without compromising your portfolio.

  • Hardship Relief - Structured, time-bound support plans
  • Payment Skips & Deferrals - Configurable without breaking trust
  • Interest-Only Options - Reduce short-term burdens
  • Smart Rules Engine - Automate relief program eligibility based on history and context
  • Clear, Automated Communication - Keep customers informed at every step

The result? Lower defaults. Stronger loyalty. Healthier portfolios.

Real-Time Overdraft & Microcredit Collections

Real-Time Overdraft & Microcredit Collections

  • Built for just-in-time and overdraft loans
  • Trigger collections based on live wallet signals, not batch cycles
  • Accelerate recovery with zero disruption to the customer experience
Everything You Need, All in One Place

Everything You Need, All in One Place

  • Behavior-Based Segmentation: Strategies by product, risk, geography
  • Omni-Channel Nudges: WhatsApp, SMS, email, push - timed for action
  • Restructuring Tools: Promise-to-pay flows and term adjustments
  • Field Collections Toolkit: Real-time borrower insights for on-ground agents
Wallet-Aware Collections Engine

Wallet-Aware Collections Engine

  • Integrated with major wallets & mobile money platforms
  • Auto-debit full or partial amounts based on smart thresholds
  • Example: For DPD <10 days and insufficient balance, recover 70% of wallet funds
  • Reduce bounce rates and optimize recovery - especially in mobile-first markets
Delivering Results That Matter

Delivering Results That Matter

  • Maximize recovery while preserving customer trust
  • Reduce churn with respectful, contextual outreach
  • Improve cash flow and cut operational burden

Lending is complex. Recoveries don’t have to be.

PhotonMatters puts powerful, intelligent collections in your hands – so you can scale without compromise.

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