Delinquency Prioritization
Segment cases using due status, DPD, ageing, branch, product and collection risk.
LCS Platform
Loan Collection System
Track repayments, improve field productivity and control delinquent portfolios.
LCS Operations
Platform capabilities
Smarter Collections. Healthier Portfolios.
Configure workflows around your lending products, teams and operating model.
- Paid, pending and overdue visibility
- DPD and ageing-based prioritization
- Automated WhatsApp, SMS and email reminders
- Agent and branch assignment workflows
- Field collection application readiness
- QR, UPI, e-NACH and BBPS readiness
- Collection receipts and reconciliation
- NPA and asset-classification reports
- Rescheduling, restructuring and settlement
- Agent, branch and portfolio MIS
How it works
LCS Operational Flow
Due Tracking
Reminder & Allocation
Field Collection
Recovery Action
Reconciliation & MIS
Smarter collection operations
Prioritize, Collect and Reconcile with Real-time Visibility
Finance Munshi LCS helps collection managers organize delinquent accounts, assign work, communicate with borrowers, record field activity and reconcile receipts. Teams can focus effort where it has the greatest portfolio impact.
Allocation Management
Assign accounts to branches, teams or field agents with clear workloads and ownership.
Automated Borrower Reminders
Schedule timely WhatsApp, SMS and email communication before and after due dates.
Field Collection Support
Capture visits, promises to pay, notes, receipts and location-aware updates from the field.
Digital Payment Readiness
Enable convenient QR, UPI and connected payment collection experiences.
Collection Analytics
Measure demand, collection, efficiency, roll rates, agent performance and recovery trends.
Business impact
Designed for Measurable Operational Outcomes
Replace fragmented follow-ups and spreadsheets with a structured operating layer that supports speed, accuracy and responsible growth.
- Improve collection team productivity
- Increase repayment follow-up consistency
- Gain real-time field visibility
- Reduce manual receipt handling
- Track promises and recovery actions
- Strengthen portfolio and delinquency reporting
Who it supports
Built Around Real Lending Teams
Collection managers
Field collection teams
Branch operations
Credit and risk teams
Frequently asked questions
Questions About LCS
What does a Loan Collection System do?
A Loan Collection System organizes due and overdue accounts, communication, allocation, field activity, payment recording, reconciliation and collection performance reporting.
Can collection agents update cases from the field?
The solution is designed for mobile-enabled field workflows including visits, notes, promises to pay, receipts and real-time case updates.
How does LCS help reduce defaults?
It provides early visibility, structured prioritization, consistent reminders and accountable recovery workflows so teams can act before delinquency worsens.
Personalized product walkthrough
See LCS in action
Explore the right LOS, LMS and LCS workflows for your lending model with our product team.
30-minute discoveryRelevant module demoImplementation guidance