विलंबित खाता समाधान और निपटान सत्यापन (Delayed Accounts Receivable and Settlement Verification)
Definition
Debt collection agencies collect payments from borrowers through multiple channels (cash, check, bank transfer, settlement plans). However, remittance to client Banks/NBFCs requires verification that: (1) Payment matches debt record; (2) Settlement amount aligns with negotiated terms; (3) Fees are correctly deducted. Manual verification by finance teams creates delays. Clients report that agencies take 15-45 days to remit collections and provide reconciliation statements. This causes: (1) Negative working capital for agencies (float risk); (2) Disputed invoices and payment holds by clients; (3) Borrower complaints about late credit application.
Key Findings
- Financial Impact: ₹5-15 lakhs annually per agency: calculated as average collection portfolio × settlement delay (15-45 days) × agency's cost of capital (10-15% annualized); typical client payment holds: 20-30% of monthly invoiced amounts pending settlement verification
- Frequency: Monthly settlement and remittance cycles; ongoing for entire 6+ month collection assignment period
- Root Cause: Manual payment matching to debt records; lack of automated settlement verification; siloed finance and operations workflows
Why This Matters
The Pitch: Indian collection agencies lose ₹5-15 lakhs annually in working capital drag due to 15-45 day collection-to-remittance delays. Automated payment matching and instant reconciliation reduces cash float and improves client cash flow.
Affected Stakeholders
Finance/Accounts Teams, Operations Managers (settlement tracking), Client Relationship Managers, Settlement Negotiators
Deep Analysis (Premium)
Financial Impact
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Current Workarounds
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Methodology & Sources
Data collected via OSINT from regulatory filings, industry audits, and verified case studies.
Related Business Risks
शुल्क गणना त्रुटि और बিना बिल की गई सेवाएं (Fee Calculation Errors and Unbilled Services)
अनावश्यक क्षेत्र दौरे और दोहरे संपर्क प्रयास (Unnecessary Field Visits and Duplicate Contact Attempts)
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