Auto-collection automation for a Saudi bank
Collection windows, re-ageing, reversals and regulator holds turned from manual rules into automated checks.
What the client needed
Loan collections ran on rules that people applied by hand: collection windows, non-salary credits, card controls, balloon payments, reversals and regulator holds.
What runs now
Each requirement carries an ID, so the bank can see which rule is automated and which still needs a person.
The system, step by step
A business requirements document covering 14 collection scenarios, written from the bank's own review meetings
Collection-window automation first, followed by re-ageing, incident recovery, prevention of double collection, and reporting
SAMA rules for regulatory holds and SIMAH rules for re-ageing encoded as checks, rather than left to memory
Minutes and decisions produced from call transcripts, so every rule change can be traced to the meeting that agreed it
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