01
Import and segment
Drop in a portfolio. Templates auto-detect columns, custom fields provision themselves, and contacts land in the right bucket from day one — DPD, risk band, product, geography, or any field your business cares about.
How it works
From DPD 1 to recovery, one workflow.
A real recovery operation is seven steps long, not one. Credmux runs all seven on the same contact database with the same audit trail — so escalations are automatic, evidence stays attached, and the audit at quarter-end is a query, not a project.
One workflow
From DPD 1 to recovery
DPD 1–30
Digital nudges
WhatsApp · SMS · Email
DPD 31–60
Soft calling
Targeted predictive outreach
DPD 61–90
Hard calling
Predictive pacing
DPD 91–180
Field visit
Geo-anchored · receipted
DPD 180+
Settlement · Legal
Approval matrix · demand notice
Every step is auditable. Every escalation is automatic.
The seven steps
Each step durable. Each handoff automatic.
Recovery breaks at the handoffs. Credmux makes each transition a durable work item with an explicit owner, deadline, and audit trail — so nothing falls through, even when your team turns over.
02
Bucket automatically
DPD bands and your bucketing rules push every contact to the right treatment lane. Repeat borrowers inherit history. New ones follow a sensible default — digital first, field last.
03
Digital nudges
Multi-step sequences across WhatsApp, SMS, and email with delays, branching, and stop-on-payment. Templates are pre-approved; sends are checked against compliance at the moment of dispatch.
04
Call with intent
Predictive dialing — optimized for maximum agent connection. Wrap-up locks enforce disposition. Supervisors listen, whisper, or barge with one click. Recording is automatic. Compliance windows are the dialer's problem, not the agent's.
05
Field when needed
Geo-anchored visits with mandatory evidence, on-site receipts, and end-of-day cash reconciliation. The audit trail is built as the visit happens — not reconstructed from memory later.
06
Settle or escalate
Discount-tier approval matrices route automatically. Demand notices generate in the right language and ship with tracked dispatch. Both flows are durable work items with explicit timers.
07
Reconcile and learn
Payments reconcile against your records, future reminders auto-cancel, and every outcome flows back into Smart Collect attribution. Experiments accumulate lift you can actually measure.
Book a 30-minute walkthrough
See Credmux run a real recovery workflow.
We'll show calling, Smart Collect attribution and decisioning, payment-link orchestration, and field visit evidence — using common DPD bands and industry-standard workflows.
Book a walkthrough
Or write to hello@credmux.com