The Collections Intelligence Operating System
Introducing CIOS 2

The operating system for modern collections.

Smart allocation, the live money truth, machine follow-ups, and honest credit — one intelligence running the whole floor, on your desk and in your pocket.

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Find anything…⌘KB
Collected

₹51,34,122

vs ₹43,20,000 last period

How it works

One intelligence, from allocation to credit.

Collection queue
Today · 148 accountsAnusha's day
Ramesh K₹18,400PTP today11 AM
Sunita M₹9,250Broken PTP12 PM
Arjun V₹31,700PTP today2 PM
Deepa R₹6,900Fresh4 PM
Manoj T₹22,150Call back5 PM
Kavya S₹14,800PTP today5 PM
Ravi P₹27,300Fresh6 PM
Lakshmi N₹8,450Broken PTP6 PM

Expected today

₹1.2L

Reachable

61%

Best window

11–1

Calls by hour

8 AM1 PM7 PM

Ordered by the brain · promises first, payday rhythm next

Everything you need to run collections.

Today

Open the app, see exactly what needs you now.

Command Center

The money truth, live to the rupee.

Accounts

Every account's full story, one tap deep.

Allocation

Tomorrow built nightly — approved by you, moved by no one.

Machines

IVR, WhatsApp, links — working while the floor rests.

Credit

The recorded call decides who earned it.

Reports

Client-ready truth, generated every night.

Ops Board

Green only when proven. Never hand-stamped.

Voice agent

AI that speaks your borrower's language, 10 to 6.

Reachability

Knows who answers before anyone dials.

Compliance

RBI's 8-to-7 window, enforced by the system itself.

Offline floor

Signal drops; the day doesn't. Logs sync on return.

Less calling. More collecting.

1.4Mcalls studied

Reachability beats the best hour — the brain routes people, not dial lists.

0shuffle

Every caller keeps her book. Ownership builds knowledge; knowledge collects.

68%promises kept

Promises resurface at their hour and broken ones are chased all week.

Collected, by evening.

Put the intelligence to work on your book — and watch the floor run itself.