Collections Exception Intelligence
A mid-market NBFC eliminated 90 minutes of daily manual reconciliation and reduced exception discovery lag from 14 hours to under 2 minutes.
12,000 accounts, one exception brief, zero engineering after week one.
At a Glance
Key Metrics
Exception Detection
14h → 2min
Time from a mandate bounce or DPD breach to an ops alert.
Time to Live
18 days
Read-only connection to first live exception brief.
Engineering Dependency
Zero
Engineering hours spent maintaining the workflow after go-live.
The Situation
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.
Data sources
Data Warehouse
Loan disbursement & account metadata
Operational DB
Active collections cases
Banking Partner File
Mandate status (S3 upload)
Failure events
What Was Breaking
Why manual operations couldn't scale
Three systems, no shared view.
Loan and account data lived in the warehouse, live collections cases in the operational database, and mandate status arrived as a weekly file from the banking partner — nobody was checking all three against each other on any given day.
A fixed cost before any real work started.
Two analysts spent 90 minutes every morning exporting, running VLOOKUPs, and rebuilding the same reconciliation sheet — regardless of how many real exceptions existed that day.
Discovery took 14 hours on average.
A bounced mandate or a DPD breach typically surfaced at the next morning's reconciliation, not the moment it happened.
The failure compounded.
A bounce not caught same-day routinely became a second missed EMI before anyone followed up — turning a one-step recovery into a multi-step one.
The Approach
Connect your sources
Read-only connection to DWH, operational DB, and S3 — 30 minutes, no engineering required.
Configure rules in plain language
SLA definitions, DPD thresholds, mandate bounce logic — written by ops, not SQL engineers.
Autonmis watches continuously
Cross-source evaluation runs on schedule. Exceptions surface in Slack before anyone escalates.
After
Data Warehouse
Loan disbursement & account metadata
Operational DB
Active collections cases
Banking Partner File
Mandate status (S3 upload)
Autonmis
Governed Intelligence Layer
Knowledge Base
rules · thresholds · logic
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.
The Workflow
Results
14 hours → under 2 minutes
Exception discovery lag
Previously discovered when a client escalated
Audited against the 14-hour average discovery lag measured before go-live.
90 minutes → zero
Daily analyst time on reconciliation
Two analysts freed from daily export + VLOOKUP
Audited against the two analysts' daily manual-reconciliation time prior to connection.
Eliminated entirely
Manual reconciliation process
Cross-source check now runs automatically
18 days
Time to first live workflow
From zero to production exception alerts
None
Engineering dependency for ongoing operation
Ops team runs it independently
Governance Note
Every threshold in this workflow runs against the DPD and mandate-bounce logic the ops team defined in the Knowledge Base — not a generic guess at what 'overdue' means.
Implementation
Time to live
3 weeks to first live exception alert
Sources connected
3 (DWH, operational DB, S3 file)
Engineering dependency
Zero
Ready to see it in your stack?
We can scope your use case to a live workflow
in the first session.
Three sources. No engineering dependency. First automation in under three weeks.
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