Collections Exception Intelligence

An NBFC managing 12,000 active loan accounts had its operational data split across three systems: loan disbursement and account metadata in a data warehouse, active collections cases in an operational database, and weekly mandate status files uploaded from their banking partner to S3. Nobody was watching all three simultaneously. Every morning, two analysts spent 90 minutes pulling exports, running VLOOKUPs, and building a reconciliation sheet to identify which accounts had missed mandates, which were approaching DPD thresholds, and which were already in breach. Exceptions were discovered an average of 14 hours after they occurred.

Connected read-only to all three sources in a single session. The Knowledge Base was configured with SLA definitions, DPD threshold rules, and mandate bounce classification logic — in plain language, no SQL required. Autonmis then ran automated cross-source reasoning on a schedule, evaluating every account against its SLA tier, detecting mandate failures as they arrived, and delivering a structured exception brief to the ops lead's Slack at 6am every morning. Real-time threshold alerts fired during the day when a breach occurred — before anyone escalated.

The workflow went from draft to production in 18 days. No engineering involvement after initial data source connection.