Solution
Intelligent collections & recovery lifecycle
Turn receivables recovery from brittle, batch-driven outreach into a context-aware, governed, continuously improving program — across lending, utilities, healthcare, accounts receivable, subscriptions, and more.
From batch & silos to case-centric events
Legacy programs lean on T+1 files, spray-and-pray messaging, and blind handoffs. Thuriyam runs a continuous loop: signals in → context built → guarded decisions → deterministic actions → wait for reality → repeat.
Legacy — batch & silos
T+1 files
Reconciliation lag creates “I already paid” moments.
Blast SMS / dialer
Rigid rules; same script for hardship and default.
Manual approvals
Weak proof; compliance story is inconsistent.
Sentient — case & events
Real-time / near-real-time signals
Payment and case truth before the next outbound action.
Coordinated agents + channels
Omnichannel execution in one conversation + case model.
Guardrails + governance + proof
Measured improvement, not silent model drift.
Tracked against real dates and deadlines
Same lifecycle, different nouns
Positioning collections as case + conversation + reliable workflows + governance lets one platform narrative cover every industry — the vocabulary changes; the mechanics stay aligned.
Lending & cards
What is owed
EMI, minimums, fees
What recovery looks like
Cure, settlement, restructuring, write-off paths
Utilities & telco
What is owed
Bills, usage spikes
What recovery looks like
Plans, limits, field workflows
Healthcare
What is owed
Patient responsibility
What recovery looks like
Plans, charity care, follow-up
Accounts receivable
What is owed
Invoices, aging
What recovery looks like
Dunning, disputes, credit hold, legal escalation
Subscriptions / SaaS
What is owed
Renewal & expansion
What recovery looks like
Save offers, downgrade, win-back
Insurance
What is owed
Premiums
What recovery looks like
Lapse prevention, reinstatement, assisted pay
The collections lifecycle
Cases enter through batch and real-time paths. Operators think in strategies while the platform executes with explicit time — promises, cooling-off, and regulatory spacing survive restarts because state lives in the workflow layer, not chat length.
Batch & real-time
Single case ledger across channels
Omnichannel strategies
Event-aware playbooks, not static scripts
Plans & settlements
PTP as dated commitments
Terminal outcomes
Cured, settled, restructured, written off, handed off
Platform in conversation
10 scenarios, one platform
Empathy, escalation, negotiation, multilingual — all in conversation.
Aria · WhatsApp
Early reminder, PTP captured — Priya missed her first EMI by three days. The agent reaches out on WhatsApp, understands she's simply busy, and locks in a payment commitment with a specific date — turning a vague intention into a durable, tracked promise.
Hover to pause · click any scenario above · auto-advances through all 10
Governed improvement, not silent drift
Conversation quality scorecards (IQA), versioned templates, compliance templates with severity, and human calibration close the loop when models and phrasing must track regulation and brand nuance.
One touch
Realtime
- ✓Ingress + routing
- ✓Agent + guardrails
- ✓Channels / tools
Minutes to hours
Near-line
- ✓Scorecard / analysis / compliance
- ✓Scores & flags on record
Days to quarters
Slow loop
- ✓Template & agent revisions
- ✓Coaching & program KPIs
Memory that matches the business
Short-term
Active session — coherent negotiation now
Long-term & profile
Stable facts; respect prior commitments
Case & conversation stores
The journey is the unit of truth
Intelligence artifacts
Scores and flags for coaching & audits
Scale rests on the “boring” pillars
Compliance as software
Versioned rules with severities produce flags on records — scale quality without armies of offline reviewers.
Spend governance that matches recovery economics
Multi-meter budgets and associations tie spend to teams and agents so automation stays profitable on small-ticket portfolios.
Durability in calendar time
PTP dates, regulatory spacing, and return-to-contact after hardship review survive restarts — state belongs to the workflow layer.
White papers & sneak-peek demos
Two entry points for mixed audiences: regulated financial programs and receivables journeys outside core banking. Host the PDFs in your CDN or static folder and attach them to these cards when ready.
Intelligent collections & recovery lifecycle
Lending, cards, and regulated recovery — reconciliation, disclosure, hardship, and audit-friendly proof.
Download PDFAdd the file at public/whitepapers/intelligent-collections-financial-services.pdf
Same engine — utilities, healthcare AR, accounts receivable, subscriptions, insurance
Industry-specific examples for receivables outside core banking, with the same case and governance model.
Download PDFAdd the file at public/whitepapers/intelligent-collections-non-financial.pdf
Platform walkthrough
End-to-end view of case creation, omnichannel outreach, and outcome tracking.
Request full demo reel →Operator & QA console
How scorecards, flags, and approvals fit into a governed program.
Request full demo reel →Fewer wrong messages. Clearer commitments. Faster truth.
Intelligent collections is not “more messages faster.” It is proof when regulators or customers ask what happened — with reliable long-running workflows, omnichannel execution, and governance as first-class capabilities.
Talk to us about collections