CBS import first
Daily CSV/SFTP style import for pilot. API/event integration can come later.
Enterprise / bank-hosted design
Connect CBS portfolio data with recovery action discipline.
This v1.1 premium enterprise pilot build assumes the bank/NBFI will deploy the system in its own server, private cloud, or approved cloud. CBS remains the financial source of truth. Recovery OS becomes the action, promise, visit, legal and early-warning source of truth.
Source of truth model
CBS / Core Loan SystemOutstanding, OD, DPD, classification, address, payment posting
Integration LayerCSV/SFTP/API/database view, mapping, validation, reconciliation
Recovery OSCall, visit, promise-to-pay, officer queue, settlement, legal follow-up
CBS-locked financial fields
Outstanding, overdue, DPD and classification are imported, not manually edited.
OD/CC support
Limit, drawing power, excess, renewal due, stock statement and interest servicing flags.
Maker-checker
Settlement, rescheduling and legal escalation are requested, reviewed and approved.
Legal suits desk
Artha Rin suits, execution, NI Act cheque dishonour, hearing dates, lawyer notes and legal-team tasks.
Mobile field app
Field collectors and law officers can record visits, court updates, evidence refs and offline sync status.
Premium follow-up engine
Bucket strategy, SLA escalation, PTP reliability, legal triggers, reason codes and conduct-risk controls.
Legal document vault
Loan, charge, mortgage, guarantee, cheque and court document metadata with filing-readiness scoring.
Controlled call scheduler
Automatic call-task generation with interval rules, frequency caps, no-call flags and bank-approved dialer integration design.
Implementation warning
This is still a pilot package. For real bank data, deploy inside the institution’s controlled environment with SSO/IAM, database encryption, server-side audit logs, backup, API gateway, monitoring, vulnerability assessment, legal/privacy review and formal change management.
CBS / core loan system integration
Integration Control Center
CBS Portfolio Import
Paste a CBS export CSV. Accepted fields include accountNumber, cif, borrowerName, mobile, address, branch, officer, facilityType, outstanding, overdueAmount, dpd, classification, limitAmount, drawingPower, expiryDate, stockStatementDueDate.
Latest Sync Reconciliation
Integration Audit
Portfolio control center
Recovery Dashboard
Overdue Bucket Summary
High-Risk Accounts
OD/CC Irregularity Watch
Officer Queue Snapshot
Strategy & SLA Snapshot
CBS imported portfolio
Portfolio
Financial fields are CBS-locked
Loan Accounts
Single account control file
Account Profile
Complete account view
Communication preference
Officer reassignment
Action source of truth
Recovery Actions
Recent Action Timeline
Premium recovery follow-up engine
Collection Strategy, SLA & Escalation
Bucket-Based Strategy Matrix
Legal Trigger Queue
PTP Reliability Score
Communication Template Library
Strategy Queue
Prioritizes accounts by DPD bucket, risk, broken promises, contact failure, OD/CC irregularity and legal-trigger conditions.
Mobile-first assignment queue
Field Collection Queue
Settlement, reschedule and legal workflow
Maker-Checker
Proposal Pipeline
Legal recovery and lawsuits
Legal Suits & Law Team Desk
Legal Portfolio Summary
Case List
Legal and charge document vault
Legal File Readiness & Document Storage
Legal File Readiness
Document Vault
Controlled customer calling
Smart Call Scheduler & Dialer Queue
Policy Summary
Compliance Summary
IVR Policy Summary
IVR Queue
IVR Exceptions
Recent IVR Outcomes
Officer Dialer Queue
Mobile application workflow
Field Collector & Law Officer Mobile App
Field collection mobile
Assigned queue, borrower call, field visit, promise-to-pay, collection reported pending CBS confirmation, geo/photo evidence reference and next follow-up.
Law officer mobile
Court hearing update, lawyer meeting, legal notice served, collateral inspection, certified copy follow-up and hearing calendar.
Offline-first control
Mobile entries can remain pending sync until network is available. Production should sync to server-side audit logs.
Mobile Summary
Mobile Activity Timeline
Supervisor and admin control
Admin & Alerts Workbench
Role Matrix
Backend Readiness
Priority Alert Queue
Legal Limitation Watch
Notification Channels
Bucket Movement Watch
Active Strategy Matrix
Management and reconciliation
Reports
Recovery Management Report
Pending CBS Payment Confirmation
JSON Backup Import
Only import trusted demo backups. Production deployments should use database backup/restore, not browser JSON.
Bank/NBFI controlled hosting
Enterprise Deployment Blueprint
Deployment
Bank data center, private cloud, or institution-approved cloud. Frontend behind reverse proxy/WAF. Backend API and database in private network.
Identity
Use bank IAM/SSO/AD integration, MFA, role-based access and maker-checker approvals.
Integration
Start with daily CBS CSV/SFTP import. Move to read-only APIs and event updates after UAT and security sign-off.
Data protection
Encrypt at rest and in transit, log all access, separate duties, keep append-only audit trail and follow retention policy.