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Oracle Banking Collections and Recovery

Oracle Banking Collections and Recovery is a unified, enterprisewide solution that improves collections via borrower-centric capabilities and optimized operations. The solution supports the complete collections lifecycle and optimizes the management of delinquencies at every stage through intelligent capabilities, configurable workflows, and automated processes.

Improve collections with borrower-centric strategies and optimized operations.

Explore Oracle Banking Collections and Recovery’s features

Automated segmentation

Segment borrowers based on risk factors and their history of past dues. Improve your focus on high-risk accounts and auto-assign accounts to agents.

Tailored collection strategies

Easily tailor collection strategies and approaches by leveraging highly flexible workflows and detailed, 360-degree views of borrowers across different stages of delinquency and loan types.

Streamlined customer engagement

Capture and track all customer engagement activities. Automatically set the collection status based on outcomes and trigger relevant processes. Collectors can prioritize engagement activities while complying with “single point of contact” regulations.

Configurable allocation and management

Automate the allocation of collectors and agents at either the customer or account level. Group collection agents into user groups for easy management. Reallocate cases and accounts in bulk.

Promise-to-pay tracking

Capture and track multiple promises as well as the appropriation and status of payments received against promises. Automatically flag accounts with broken promises. Easily manage threshold percentages and grace days for promised amounts.

Workflow automation

Optimize collections operations by leveraging a highly configurable workflow engine and process framework to power contextual orchestration and nonlinear processes.

An enterprise-class solution

Unified capabilities built on a microservices architecture enable you to efficiently manage collections across lending products. Optimize operations using a highly configurable workflow engine and flexible process framework.

Tracking and auditing

Leverage comprehensive activity logging and audit trails. Detailed case summary dashboards provide collectors and supervisors with deep insights. Out-of-the-box and customized reports are both supported.

Streamlined integration

Standard interfaces streamline integration with multiple lending and core product processors. APIs and web services streamline integration with third-party systems. Batch processes enable faster and scheduled data ingestion.

Key benefits of Oracle Banking Collections and Recovery

01Improve collections and reduce delinquencies

Identify delinquent accounts up front, assess borrower risk, and quickly engage with borrowers to improve overall collections.

02Reduce write-offs and overall losses

Quickly identify distressed borrowers and offer tailored and proactive solutions that ensure a continued relationship while reducing write-offs and losses.

03Optimize operations

Eliminate wasted effort and optimize the utilization of resources, reducing the overall cost of collections operations.

04Enhance the customer experience

Enhance the overall borrower experience and maintain and deepen borrower relationships with borrower-centric approaches and tailored treatment plans.

Banking in 2025: A people-first approach can be critical to driving success in retail banking

Tushar Chitra, Vice President, Product Strategy and Marketing, Oracle

Digital-first strategies and offerings now dominate conversations across the banking industry. A pure play digital-first approach, however, will become table stakes in retail banking. What else can differentiate leaders in retail banking in 2025? It could be putting people first and the strategies leaders use to achieve this. Exceptional engagement and empowerment of both customers and bankers is the cornerstone of a people-first game plan.

Read the complete post

Resources for Banking Collections and Recovery

Oracle Is Named a Leader in the 2022 Gartner® Magic Quadrant for Global Retail Core Banking

Explore how our execution and vision helped us earn a Leader position.

Read the press release

Financial services documentation

Oracle offers a wide range of documentation and tutorials that will help you learn more about Oracle Banking Platform. You'll find all these resources and more in the Oracle Help Center.

Visit the documentation library

Oracle communities

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Talk to a team member about Oracle banking Liquidity Management Cloud Service.