Automate Loan Settlements and Accelerate Recovery
AI-Powered NPA Settlement Automation
Automate the negotiation and settlement of Non-Performing Asset (NPA) accounts through AI-driven engagement and digital settlement workflows.
Key Challenges in NPA Settlements
Financial institutions face multiple operational challenges when managing settlement negotiations for delinquent accounts.
Manual Negotiation Processes
Low Recovery Efficiency
Lack of Structured Settlement Framework
How Intelligent Settlement Works
Nuacem AI orchestrates the entire settlement journey through automated engagement and negotiation workflows.
NPA Account Identification
Identify overdue or NPA accounts based on rules like DPD, outstanding balance, and recovery priority.
Smart Customer Engagement
Notify borrowers through channels such as WhatsApp, SMS, or voice about overdue payments and settlement options.
Settlement Offer Generation
Generate settlement offers based on outstanding amount, repayment history, and predefined recovery rules.
AI-Assisted Negotiation
Review and negotiate settlement offers within approved thresholds using AI agents
Digital Payment
Secure payment gateway or link to generate for completing the settlement.
Powered by Multiple AI Agents Driving Smart Settlements
Each agent specializes in a critical stage of the settlement journey, collaborating in real time to deliver faster resolutions, seamless execution, and improved recovery outcomes.
Data
ICON Collect
Parallel Processing
ICON Ledger
Parallel Processing
ICON Serve
Parallel Processing
ICON Command
Parallel Processing
Settlement
Multilingual Borrower Engagement
50+ Languages Supported
Smart Understanding
AI Language Detection
Real-Time Translation
Intelligent Settlement Decision Engine
Automatically generate optimized settlement offers based on configurable rules such as outstanding balance, DPD, repayment history, and risk profile, ensuring consistent and data-driven recovery strategies.
End-to-End Digital Settlement Workflow
Enable borrowers to negotiate, accept settlement offers, and complete payments digitally through secure links, eliminating manual negotiation cycles and accelerating NPA resolution.
Overdue Identification
System safely identifies and flags accounts that have missed their payment due date.
Customer Engagement
Proactively reach out to the customer via their preferred communication channels.
Settlement Evaluation
Assess the customer profile and financial standing for appropriate settlement options.
Offer Generation
Generate and extend optimal settlement offers tailored to the user.
Negotiation
Work collaboratively with the customer to mutually agree on terms and conditions.
Approval
Internal teams review and formally approve the negotiated settlement agreement.
Payment
Customer processes and confirms the agreed upon payment amount.
Account Closure
Successfully close and lock the account post-payment validation.
Results That Matter
Measurable Impact
Our finance clients typically achieve:
70%
Faster Settlement Resolution
50%
Less Manual Effort
40%
Higher Recovery Rates
2X
Borrower Engagement
Built for Modern Digital Lending
ICON enables banks and NBFCs to transform traditional lending operations into fully automated, AI-driven loan origination systems.
Trusted by Leading Financial Institutions
Banks, NBFCs, fintech platforms, brokerages, and asset managers rely on our intelligent engagement and automation solutions to strengthen performance and scale operations securely.
Enterprise-Grade Data Security
Financial institutions operate in highly regulated environments where data protection and privacy are critical.
Encrypted Data Transmission
Secure Document Storage
Role-Based Access Control
Full Audit trails
Start with ICON Today
Smarter decisions, faster operations, and intelligent automation across financial workflows.
