Recover more. Spend less. Stay 100% compliant
AURA is a comprehensive collections management platform that automates and optimises the entire debt recovery process - from automatedWhatsApp nudges and Al voice calls to intelligent human escalation — across voice, SMS, email, and WhatsApp simultaneously.
What it does and why it matters to your institution
Intelligent case prioritisation based on debt age, amount, customer profile, and agent expertise — ensuring your highest-recovery-probability cases get worked first.
Unified automation across voice, SMS, email, and WhatsApp — with personalised messaging, payment links, and real-time delivery tracking per channel.
Drag-and-drop workflow design for automated collection sequences — triggers, wait conditions, payment verification checks, escalation logic, and branch paths.
Live recovery tracking, agent productivity analytics, MTD and daily comparison — and automation vs human recovery performance benchmarking.
Automated RBI fair practices code compliance with complete audit trails — every communication logged, every escalation documented, every settlement recorded.
DPD bucket tracking, roll-rate metrics, PTP Kept %, RPC %, delinquent O/S — and recovery forecasting across the full portfolio.
From EMI due date to payment confirmation - fully automated.
Loan Due Trigger
Automatically detects upcoming EMI dues 1–5 days out via webhook. Triggers collection workflows based on customer segment, risk profile, and DPD bucket.
WhatsApp Reminder
Sends personalised WhatsApp messages with payment links, EMI breakdowns, and one-tap payment options. Tracks delivery, reads, and click-through in real-time.
Wait & Payment Verification
Pauses the workflow for a configurable period, then automatically checks payment status. Branches to the appropriate next action based on whether payment was received.
AI Voice Follow-Up
Escalates to AI voice calls with context from the full customer communication history — appropriate tone, right timing, and full compliance guardrails applied automatically.
Human Escalation Routing
Routes to human agents when AI channels are exhausted — with complete customer context, communication history, and recommended approach surfaced automatically.
Settlement & Closure Automation
Confirms payment receipt, updates case status, generates settlement letters, and closes the workflow — with full documentation for audit and regulatory reporting.
One agent. One system. Every agent connected.
NOVA
ORCHESTRATION
GREYCELLS
UNDERWRITING
VISTA
VOICE AI
AURA
COLLECTIONS
LUMA
MARKETING
MIND
MEMORY
Scale your collections.
Not your headcount
FyscalTech implements AURA with your existing collections infrastructure — WhatsApp, voice, SMS, and human agent workflows — integrated and live without disrupting yourcurrent operations.