Allocate accounts, log every visit and call with location, never miss a follow-up, approve every receipt and see the position live. Built for corporates, SMEs, banks, NBFCs and collection agencies.
Six capabilities that replace emailed sheets and self-reported visits.
Load portfolios from Excel or API, then allocate by state, unit, group, agency or collector, with a duplicate check.
Collectors, agents and advocates see today's work, log each visit or call and set the next step.
A next follow-up date is required on every entry, and promises to pay are tracked by value.
Receipts are entered in the field and approved by operations before they count.
Role dashboards for management, operations, PMO, collector, telecaller and client.
Agencies and advocates work inside your system, with their own steps, files and activity.
ARIQ is the receivables and recovery platform of Cresolv One. It takes collections out of spreadsheets and emails and puts them on one connected system: a web portal for the office, a mobile app for people in the field, and one secure cloud database behind both.
Excel stays useful as an input. Portfolios and contact details are uploaded in standard Excel formats, and ARIQ manages the work from there, from allocation through visits, follow-ups and receipts to reporting.
ARIQ is offered as a portal and as a service. It is built for organisations that manage collections through other people: banks and NBFCs that oversee collection agencies, agencies that run collectors, telecallers and legal work, and corporates with their own collection teams.
The same platform serves three kinds of organisation. What changes is who is being watched, and by whom.
| Who you are | What you track in ARIQ |
|---|---|
| Bank or NBFC | Your collection agencies. You see which agency holds which accounts, the work done on them, promises to pay and receipts, and how each agency is performing, without waiting for their spreadsheets. |
| Collection agency | Your collectors, telecallers and legal work. You allocate accounts, see each person's calls, visits and follow-ups, and manage notices and hearings alongside collection. |
| Corporate | Your own collection department. Overdue customer invoices become accounts, and the department's work, work steps, collection strategy and tasks are set up around your process and operations. |
If you are comparing options, our AR and collections automation buyer's guide sets out what to ask any vendor, and three levers to cut DSO covers the process side for teams that bill on credit. To see which of these fits you, describe your team in the enquiry form.
Allocation lists, visit updates, promise-to-pay dates and receipts move between staff, agencies and advocates as spreadsheets and emails. Managers see the position days late, and cash flow suffers.
Each step leaves a record stamped with user, date, time and location, so anyone can open an account and see exactly what happened.
Portfolios and borrower or customer contact details come in by Excel upload or by API from your ERP, core banking or loan system. Service types are configurable to your collection need, with tasks mapped to each service type.
Every recovery process is different, so the work steps are yours to define. Staff choose from your lists on every entry, which keeps updates consistent and reportable.
| Stage | Example steps |
|---|---|
| Collection | Tele-call, field visit, promise to pay, part payment, WhatsApp follow-up, email, paid or closed |
| Legal | Demand notice, documents, case filing, hearing follow-up, settlement |
Example configuration. Step names, order and due dates are set by each organisation.
Work groups, work types, descriptions and next steps can be set up per product and service, with frequency and due dates.
Collecting well is mostly about managing how the work is done. In ARIQ the process is set up once, around your operations, and then everyone follows it.
The collection strategy is yours to define. A corporate might run a reminder-led path for key customers and a field and legal path for the rest, while a bank or NBFC sets one process for its agencies. The tasks and steps follow whichever strategy you choose, and managers see whether the work is actually being done.
Illustrative example. Strategy, steps and tasks are configured to each organisation's process and operations.
The Android app shows each user only their allocated accounts. It is built for the working day rather than for the office.
The app reads the GPS position and the street address when a visit or call is saved. With the user's permission, location can also be tracked during working hours.
Supervisors get daily work and visit reports per collector, for any date range, in list and map view, plus an attendance report for staff and agency agents. Field work stops being self-reported and becomes something a manager can check.
Every call and visit is stored with its response, next step and next follow-up date. The follow-up date is mandatory, so no account goes quiet.
Promise-to-pay count and value are tracked for each collector and manager. Supervisors see a daily task entry report and today's follow-ups. Each account carries a complete timeline, so a new collector can pick up where the last one stopped.
Collectors enter receipts in the field. Operations approve or reject them against bank and payment type, and a collection counts only after approval. Pending, approved and rejected receipts show on the operations dashboard, so the cash position is visible the same day instead of after a month-end clean-up.
Every user signs in to a dashboard for their role and sees only their own slice of the data. Figures update as entries are saved, and they roll up from collector to PMO to operations to management.
| Role | Who | What they see |
|---|---|---|
| Management | Administrator, CEO or director | Portfolio position, recovery trend, top exposures and team scorecards across all clients and PMOs |
| Operations | Operations head, moderator, finance and billing | Approvals, requests, allocations, receipts and field activity |
| PMO | Project manager for a client | Their own client portfolio and their own collectors |
| Collector | Field collector, partner or vendor | Their own accounts, plan, visits and receipts |
| Telecaller | Calling team | Their own call worklist and work status |
| Client | Client or creditor, and client query support | Only their own portfolio, with queries and disputes |
Collection agencies work inside your system instead of in their own sheets. They are onboarded with their users and roles, see only the accounts allocated to them and their agents, and are measured on a scorecard of accounts placed, collected, pending and recovery percentage.
Legal teams and in-house or empanelled advocates work on the same platform. Notice, documentation, filing and hearing steps are defined for your legal process, and visits for notice service are logged with GPS. Documents and photos attach to the account file, and the account shows which are received and which are pending.
No installation is needed for office users, and staff, agencies and advocates connect from the browser or the app.
ARIQ is ERP-agnostic. Roles, users, work steps, service types and views are configured per client during scoping, and the integration method is agreed with you. You can start from Excel and add API integration as you grow. Typical implementation takes about four weeks, depending on the number of roles, work steps and the integration method.
A pilot runs for about 45 days with one team, region or portfolio. We configure roles and work steps, load your current portfolio from Excel, onboard a small group of staff, agencies or advocates, and compare the results with how you track recovery today.
Pilot results are indicative of what your own portfolio will show, and we do not quote outcome figures before testing.
We do not ask you to rebuild anything. Pick one team, region or portfolio, upload your current Excel, and run live work through ARIQ next to your sheet.
Roles, users and your collection and legal work steps.
Your current portfolio from Excel, and a small group of staff, agencies or advocates.
Compare dashboards, visit reports and receipts with how you track recovery today.
What finance heads, collections managers and recovery teams ask before moving off Excel. Read our full Buyer's Guide →
ARIQ is a collections and recovery platform that replaces the spreadsheet. Office teams upload the portfolio, allocate accounts and approve receipts on a web portal. Field staff, telecallers, agencies and advocates log every visit or call on a mobile app with location. Managers see live dashboards instead of waiting days for a consolidated sheet.
Banks and NBFCs use it to monitor their collection agencies. Collection agencies use it to track their collectors, telecallers and legal work. Corporates use it to track their own collection department, with work steps, strategy and tasks set up around their process. Each role signs in to its own dashboard and sees only its own accounts.
Every work entry is saved with the user, date, time, GPS position and street address. With the user's permission, location can also be tracked during working hours, and attendance is marked from the app with location. Supervisors see daily visit reports for any date range, in list and map view.
The next follow-up date is mandatory on every entry, so no account goes quiet. Reminders surface due follow-ups for each collector, supervisors see today's follow-ups, and promise-to-pay count and value are tracked for each collector and manager.
Collectors enter receipts, and operations approve or reject them against bank and payment type. A collection counts only after approval, which is a maker-checker control. Pending, approved and rejected receipts are visible the same day.
You can start from Excel uploads, which keeps the first step easy, and move to API integration with your ERP, core banking or loan system. ARIQ is ERP-agnostic, and the method is agreed per client during scoping. Deployment and hosting are agreed per client need.
Typical implementation takes about four weeks, depending on the number of roles, work steps and the integration method. A pilot runs for about 45 days with one team, region or portfolio. We configure roles, users and work steps, load your current portfolio from Excel, onboard a small group of staff, agencies or advocates, and compare the results with how you track recovery today.
It is probably not yet the right fit if your portfolio is small enough to manage in one sheet, or if you do not use field staff, telecallers, agencies or advocates for recovery, because there is little to coordinate. We would rather say so on the first call.
Share a few details and we will set up a discovery call of about 45 minutes with a live demo.
Prefer chat? WhatsApp +91 7738829118 or sales@cresolv.com
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