Collections & Recovery

Stop chasing payments. Start preventing defaults.

Integrated AI that predicts risk, personalizes outreach, and executes autonomously – 20%+ lift, 60% lower costs, complete audit trails.

iTuring Collections predicts default risk and propensity to pay, then generates hyper-personalized outreach that drives voluntary compliance across every channel, debt type, and sector.

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18

banks and insurers live

140

Use Cases

What happens when collections gets intelligent

20%+

lift in collection rates

60%+

reduction in collection costs

10x

ROI delivered in 4 months

Legacy systems react after defaults - iTuring prevents them

Traditional collections chase payments with manual playbooks and generic messaging after defaults occur.

iTuring Collections uses behavioral intelligence to predict and prevent defaults before they happen, personalizing every interaction for maximum voluntary compliance.

Dual intelligence drives autonomous recovery

Predict

Analyze payment patterns, financial indicators, and behavioral signals to predict default risk and propensity to pay before defaults occur.

Personalize

Generate messaging tailored to each debtor's unique payment psychology and communication preferences across all channels.

Act

23 autonomous agents manage complete collection workflows, automatically adapting strategies in real-time without human intervention.

Govern & Learn

Every interaction logged with immutable audit trails. Outcomes feed back to retrain predictive models, maintaining or improving accuracy without manual retraining.

Three diverse colleagues laughing and celebrating at a conference table, throwing papers in the air in a bright, modern office with large windows and greenery in the background
Three diverse colleagues laughing and celebrating at a conference table, throwing papers in the air in a bright, modern office with large windows and greenery in the background

Every decision explained, every action tracked

Immutable audit trails for every interaction and algorithm decision with complete behavioral and communication lineage.

Maker-checker workflows with time-stamped approval history and automated documentation with decision rationale.

Complete traceability enables instant regulatory evidence generation for any examination.

Integrated intelligence that improves itself

Predictive segmentation

Default risk + propensity scores prioritize accounts and trigger workflows automatically.

Generative personalization

Behavioral fingerprinting generates market-of-one messaging across SMS, email, IVR, and agent scripts - not templated blasts.

Agentic execution

Autonomous agents manage workflows, adapt contact strategies, and close the learning loop - outcomes retrain models without data science bottlenecks.

One platform for all
recovery operations

Banking loan collections, credit delinquency, overdraft recovery; Insurance premium collections, lapse prevention, claims recovery; Enterprise accounts receivable, invoice management, B2B collections.

Score debt by collectability to prioritize recovery

Generate personalized outreach across all channels

Automate workflows with self-learning algorithms

Built for collections teams and compliance

Collections Manager

Higher recovery rates, lower cost per contact, faster resolution

Risk Officer

Complete audit trails and regulatory evidence for examinations.

Operations Team
Reduced manual effort, automated workflows, improved efficiency
Compliance

Full traceability and documentation for regulatory reviews

Get started with AI collections

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Frequently Asked Questions

How does iTuring's collections AI ensure NCA Section 129 compliance?
NCA Section 129 requires lenders to send a notice to a consumer advising them of default and the right to refer the matter to debt counselling before any legal enforcement. iTuring’s workflow engine automates Section 129 notice generation and tracks delivery, response, and subsequent steps, all with immutable audit trails.
Yes. POPIA requires valid consent or another lawful basis for direct marketing communications. iTuring’s outreach workflows maintain consent records, suppress contacts without consent, and log every interaction with the lawful basis, satisfying both POPIA and the NCR’s direct marketing requirements under the NCA.
When a consumer is under debt review (NCA Section 86), iTuring’s system flags the account, pauses collection workflows per NCA requirements, and maintains a complete record of the debt review status, preventing unlawful collection activity during the review process.
The NCA (National Credit Act, 2005) is South Africa’s equivalent of the US FDCPA. It governs all credit agreements, affordability assessments, adverse action notices, Section 129 pre-legal requirements, and debt counselling. iTuring’s collections and credit modules are built to document compliance with NCA obligations at every stage of the credit lifecycle.
It checks that phone numbers and channels meet RICA and consent requirements before use.
Yes. Scores and workflow triggers are available via APIs to existing collections platforms.
Early‑warning models flag customers at risk before they roll into late‑stage arrears.
Yes. It maintains decision lineage and data provenance so banks can answer access and correction requests.
Alternative data and behaviour are used to tailor outreach strategies for these segments.
Every score, treatment decision and contact trigger is logged with timestamps and model versions.
Martin L. Litabe
Sales Support Manager
Martin joined iTuring in July 2024, first as Business Development Support before stepping into his current role as Sales Support Manager.

He holds a Postgraduate Diploma in Business Administration with a Digital Transformation Lens from Johannesburg Business School, as well as a Finance Literacy certificate from the University of Johannesburg.

At iTuring, Martin works across the operational and commercial side of enterprise sales in Africa, ensuring that deals move from first conversation to signed contract with the same rigour the platform brings to AI deployment.
Ryan Blumenow
Business Development
Ryan is a senior analytics and business development professional with a background spanning international trade, infrastructure, and development economics.

He has held roles as Head of Analytics for Africa at AB InBev, Global Chief Data and Analytics Officer at Globalstratos Group, and Managing Director of Optimize Live, a specialised IT and strategy consulting firm.

He is pursuing a PhD in Economics and Gamification from the University of Cape Town. At iTuring, Ryan applies his research-led, quantitative approach to building the commercial case for AI adoption across African financial institutions.
Marc Beukes
Sales Director, Africa
Marc joined iTuring in April 2026 to lead sales across the African market, bringing nearly a decade of enterprise SaaS experience across supply chain governance, legal intelligence, and board governance software.

Before iTuring, he spent close to four years as Regional Sales Director EMEA at BoardEffect, a Diligent brand, selling governance and compliance tools to regulated institutions across multiple sectors.

At iTuring, Marc focuses on helping banks, insurers, and fintechs move from AI pilots to production, building relationships grounded in measurable business outcomes and regulatory readiness.
Tarika Bhutani

Senior Director – Sales and Marketing Operations

Tarika is a market development leader driving global growth through strategic partnerships and go-to-market initiatives.

 

She focuses on expanding enterprise adoption of AI solutions across international markets, working closely with partners and clients to enable data-driven transformation.

 

Her work centres on scaling enterprise AI through partner-led growth and direct customer engagement, supporting organisations in implementing impactful, data-driven solutions worldwide.

Vipin Johnson

Vice President – Customer Acquisition

Description Goes Here

Rajnish Ranjan

Vice President, Head – Data Science

Rajnish brings over two decades of experience leading data-driven transformation across Fortune 500 organisations.

 

His career spans senior roles at HSBC, Zafin, Cisco, TCS, Nielsen, iQuanti, Symphony, Supervalu, and Harman, delivering measurable cost savings, operational efficiencies, and revenue growth.

 

With experience across banking, retail, telecom, pharma, CPG, and digital marketing, he leads cross-functional teams at iTuring.ai to deliver advanced analytics, machine learning, and AI solutions.

Aishwarya Hegde

VP Operations & Content Head

Aishwarya has been instrumental in building iTuring.ai from inception and continues to manage core operations across the organisation. Her responsibilities span project operations, financial planning, and evaluating future expansion opportunities.

 

Prior to iTuring.ai, she worked with Market Probe and WNS Research & Analytics, delivering high-impact decision support and actionable analytics for IBM with a record of zero errors.

 

Aishwarya holds a postgraduate degree in Data Science and Machine Learning from Manipal University.

Bryan McLachlan

Managing Director – Africa

Bryan has 30 years of experience driving innovation and growth across technology, banking, insurance, and retail.

 

Prior to iTuring.ai, he held executive leadership roles at Instant Life, AIG, Nedbank, FNB, and TransUnion. He focuses on enabling enterprises to adopt AI and machine learning within trusted, governed, and risk-managed frameworks.

 

Bryan holds a Master’s degree in Commerce from the University of Johannesburg.

Mohammed Nawas M P

Co-Founder, VP Product Development

Nawas brings 20 years of experience in designing and delivering cloud-native software and data systems. He has held senior technology roles at HCL, Radisys, Kyocera, and Mindtree, leading large development teams and complex product builds.

 

At iTuring.ai, he oversees product roadmap and customer delivery, applying cloud-first thinking, deep systems expertise, and a focus on building robust, scalable AI solutions that challenge industry norms.

 

He is a graduate of Rajiv Gandhi Institute of Technology.

Amit Kumar
Co-Founder, VP Product Engineering

Amit is a technology architect with over 18 years of experience designing data-intensive systems and enterprise analytics platforms. He has built highly scalable products across open architecture models and virtualised infrastructure, aligning deep technical detail with business requirements for AI and ML solutions.

 

Prior to iTuring.ai, he held senior technical roles at Radisys and Aricent. Amit leads platform architecture with a focus on governance, lineage, and traceability.

 

He holds a First Class with Distinction BTech in Computer Science from Cochin University.

Valsan Ponnachath

President, COO and Co-founder

Valsan brings over two decades of global leadership across sales, professional services, and product operations in technology and SaaS enterprises.

 

Prior to iTuring.ai, he held senior executive roles at Fiserv, Cisco, and Sun Microsystems, most recently serving as Senior Vice President at Fiserv overseeing global system integration and international professional services. Based in California, he leads iTuring.ai’s growth in the Americas.

 

Valsan holds an MBA from the University of Nebraska and a BE in Computer Science from Bangalore University.

Suman Singh

Founder & CEO

Before founding iTuring.ai in 2018, Suman led analytics at Zafin and Fiserv as CAO and General Manager Analytics, delivering enterprise-scale solutions still running in production.

 

His work includes fraud detection systems saving clients over $19M, patented Customer Relationship Score methodology, and price optimisation recognised by the INFORMS Edelman Award (2014). He has authored multiple research papers and pioneered the data-to-value approach.

 

Suman holds a Master’s in Statistics from CCS HAU and a Bachelor’s in Agricultural Engineering from BHU.