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RSM — Recovery Smart Management

Loan collection and recovery for banks and lenders — from the first missed instalment to the court.

RSM (Recovery Smart Management) is the banking edition of CSM. It loads your loan book from the core banking system every day, computes days past due, IFRS 9 stages, regulatory classes and provisions, accrues penalty interest and splits every repayment between fees, interest and principal. Delinquent loans flow into the CSM collection engine — queues, dunning, promises, restructuring, settlements, legal cases and agencies — with contact limits, consent, vulnerable customers and complaints handled the way a regulator expects.

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Free plan · no card required · workspace live in minutes

Why RSM

What you get on day one.

Days past due, IFRS 9 stage, regulatory class and provision on every loan, every day.

Repayments split between fees, penalties, interest and principal by your own waterfall.

Restructuring with forbearance flags and a probation period before a loan is cured.

Contact limits, consent, vulnerable customers and complaint deadlines enforced, not just recorded.

Roll-rate, NPL and coverage reports for the risk committee.

Your own isolated database — never shared or co-mingled with another bank.

AI inside RSM

See which loans will slip — while there is still time.

RSM learns from your loan book's repayment history. Each morning it scores every live loan, raises early warnings on borrowers who are still paying, and suggests the next step for your collectors.

Early warning

The loans likely to fall further behind, flagged before they do.

The next best action

A call, a payment plan, a restructuring or the credit committee — suggested within your contact rules.

Your data, explained

Trained on your own history only, and every score comes with its reasons. Your team stays in charge of the decision.

Our approach to AI

Demo videos

See RSM at work.

Short tutorials recorded in the real RSM workspace. Videos in English.

workspace · rsm-demo1:57

A tour of RSM

The portfolio, one desk per delinquency stage, a loan as the bank sees it, and the credit committee.

workspace · rsm-demo1:35

AI early warning, explained

Roll risk, cure chance and the next best action for every loan — with the reasons, and how the models are measured.

workspace · rsm-demo1:03

Load your loan book from core banking

CSV extracts for accounts, schedules and repayments, checked row by row before anything is loaded.

What's included

Modules in RSM.

Enable only what you need at signup — add the rest whenever you're ready, with no downtime. Scroll to see each one running.

Debt collection

6 modules

Collections
Collection cases, debtors, receivables aging and disputes.
Loans
Loan book from the core banking system, days past due, IFRS 9 stages, regulatory classes and provisions, penalty interest, repayment waterfall, restructuring and contact compliance. Requires Collections.
Recovery
Escalations, settlements, legal cases, agency referrals and write-offs.
Executive Reporting
Manager and executive dashboards, and recovery targets.
Administration
Teams, escalation rules, the data source connection, data loading and reminder templates.
Reports
Aged balance, DSO, collection efficiency, risk and payer-behaviour reporting.

Steer

1 module

Operational Intelligence
Live exception detection, KPI monitoring, and recommendations across every module you have installed.

Other

2 modules

Executive
Executive dashboard, signatures and signing delegations.
Workspace administration
Users, roles, modules, settings, API keys and audit — workspace administrators only.

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