Structured recovery on secured accounts — field verification, borrower negotiation and a clear escalation path to enforcement when settlement isn't reached.
Secured accounts carry collateral, but collateral alone doesn't recover the debt — it takes a coordinated push between negotiation and the credible possibility of enforcement. Sai Resolution Service runs secured debt collection as a staged process: verify the account and asset, attempt structured settlement, and escalate to legal enforcement only when negotiation stalls.
Every account is tracked against a clear timeline agreed with the lender, so there's never ambiguity about where a case stands or what happens next.
Banks and NBFCs with secured retail or MSME accounts moving into delinquency.
Loan documentation, collateral value and repayment history are checked before contact begins.
Field agents make direct contact to understand the borrower's position and intent.
A settlement or repayment plan is proposed, within limits agreed with the lender.
If negotiation stalls past the agreed timeline, the account is flagged for SARFAESI enforcement.
Escalation timelines are agreed with each lender upfront — typically once negotiation attempts are exhausted within a set window.
Weekly, as standard, with immediate updates on any material development.
