SK
High riskSameer Khan
DBT-77421 · ₹58,400 · 47 DPD
For debt collection, recovery & agency teams in India
Track every overdue account, contact attempt, promise-to-pay, and escalation in one workspace.
The Cogover platform manages debtor context, account assignment, calls, WhatsApp follow-ups, promise-to-pay, disputes, payment plans, field actions, escalations, and compliance notes on one connected operating layer.
NBFCs · banks · agencies · BPO · fintech recovery across India
₹15,000 · Fri 17:00
Owner N. Rao · UPI
Missed PTP → escalated
Supervisor review
Where it runsLoan & card overdueAR / invoicePromise-to-payDispute & hardshipCompliance audit
Follow one overdue account
An overdue account enters the queue. What happens next?
From assignment to contact, promise, dispute, escalation, and compliance review, every step stays on the record. Step through the recovery workflow below.
Debtor account timeline
Debtor account timelineHigh risk
SK
Sameer Khan
DBT-77421 · Personal loan
Outstanding₹ 58,400
DPD · bucket47 days · 30 to 60
Last contactCall · 2 days ago
Previous PTPMissed
OwnerAgent N. Rao
Trusted by recovery teams
Built for lenders, agencies, and BPO recovery teams across India
Meridian FinanceAarav CapitalRecoverX BPOSutra LendingNorthpoint NBFC
"We stopped losing promise-to-pay commitments in call notes. Missed promises now escalate on their own, and our supervisors finally see recovery risk the same day."
"The compliance trail is what won it for us. Every contact, consent, and dispute sits on the account, so audits take minutes, not days."
Why debt collection loses control
An account shouldn't disappear between assignment, calls, promises, and compliance review.
Debtor context is scattered
Account, calls, WhatsApp, payment history, and disputes live in different places.
Promise-to-pay is manual
Amount, date, owner, and missed-promise escalation depend on memory or Excel.
Disputes are hard to route
Hardship, wrong number, and disputes need a clear review path, not guesswork.
Compliance is hard to audit
Without one contact history, nobody can review who contacted whom, when, and why.
For your team
What each role actually sees
Recovery queue
New accounts16
Due PTP9
NextCall DBT-77421
Knows which accounts need contact, follow-up, or review today.
Risk & workload
Missed PTP18
Escalations9
Workload87%
Sees missed promises and bucket-wise recovery before leakage.
Field visits
VisitAssigned · East
StatusIn progress
OutcomePTP ₹15,000
Updates visits and connects field outcomes to the account.
Audit view
Flagged4
RecordingsOn
Audit trailComplete
Reviews contact history, complaints, and escalation reasons.
Recovery overview
Recovered₹14.2L
Disputes11
Leakage↓ 16%
Tracks recovery across teams, clients, buckets, and agencies.
Before & after
From scattered chasing to controlled, auditable recovery
Manual recovery
Accounts spread across dialers, CRM, WhatsApp, and spreadsheets
Promise-to-pay tracked by hand
Disputes and hardship cases hard to route and review
Compliance review means digging through scattered notes
Controlled recovery
One recovery timeline per overdue account
Every contact attempt logged on the account
Every promise has an owner, due date, and escalation path
Contact history and disputes are review-ready in one place
One platform
The parts that run the recovery
One view per account
Outstanding, DPD, bucket, history, promises, disputes, and next action.
Every attempt, logged
Call, WhatsApp, SMS, email, and field, with outcome and consent flags.
Commitments become work
Amount, date, mode, owner, reminder, and escalation if missed.
Responsible recovery
Dispute type, documents, review owner, hold status, and due date.
Recovery risk, live
Pending and missed PTP, recovered amount, escalations, and workload.
Review-ready trail
Contact history, recordings, notes, disputes, and escalation reasons.
Start smallStart with one workflow,
Start with one workflow,
then scale across buckets
You don't need to change the whole recovery operation on day one. Begin with overdue account assignment or promise-to-pay tracking, and grow from there.
01
Map the workflow
Pick one process: account assignment or promise-to-pay tracking.
02
Configure records
Set up debtors, buckets, tasks, owners, escalation, and audit fields.
03
Launch one team
Run one pilot. Measure contacted rate, PTP, missed, and recovery.
04
Scale the blueprint
Reuse it across clients, products, buckets, branches, and agencies.
FAQ
Questions teams ask
Book a workflow demo
See your recovery process running in Cogover.
Bring one real workflow: overdue account assignment, promise-to-pay tracking, or a dispute review. We'll configure it and run it live.
- Captures the interaction and updates the timeline
- Applies context, then triggers the right workflow
- Assigns ownership and tracks SLA automatically
- Gives managers live visibility of the outcome
Request your tailored demo
A solutions expert will configure the system around one of your real processes.
