Debt Collection Management Platform
Proposal presented by: Zero One Infinity Makers
Project Overview
As per our discussion, we propose the development of a Debt Collection Management Platform designed to streamline and digitize field collection operations for organizations such as Banks, NBFCs and Fintech lending companies. The platform will help organizations to manage debt recovery operations efficiently by allowing field agents (riders) to select cases in selected pincode, track collection activities, upload geo-verified proof of visits, and monitor case progress in real time. The system will be built with a secure, scalable architecture and will provide full transparency through audit logs, reporting dashboards, and real-time tracking. The solution will improve recovery efficiency, and provide a centralized platform for managing the debt collection process.
Key Objectives
The proposed platform aims to achieve the following objectives: • Digitize field debt collection workflows • Improve transparency and accountability in recovery operations • Enable real-time monitoring of agents and case progress • Automate case assignment and SLA tracking • Maintain a secure and compliant audit trail for all actions • Provide actionable insights through analytics and reporting
Proposed System Architecture
The platform will consist of three main components: Admin & Operations Panel: A centralized web dashboard for administrators to upload cases, manage clients, agents, locations, commissions, and reporting. Client Portal: A dedicated portal for clients to upload cases, track progress, and monitor collection activities in real time. Field Agent Mobile Application: A mobile application that allows agents to view cases in his assigned area, select cases upto 50 at a time, navigate locations, upload proof of visits, and update case status.
Core System Modules
Authentication & User Management: • Multi-role secure login (Admin, Client, Operations, Agent) • OTP based authentication • Role-based access control • Agent onboarding and KYC approval workflow Admin Management Panel: • Client onboarding and management • Upload cases, • Agent approval and Area assignment Pincode wise • Commission configuration • SLA configuration and monitoring 3 days • Dispute and escalation management • Activity logs and audit trails • Performance reporting dashboards Client Portal: • Bulk case upload through Excel or API • Real-time case status monitoring • Case tracking and reporting • Recovery analytics dashboard Case Management System: • Complete KYC process • Can select cases based on PIN code, Maximum 50 Cases at a time • Location tracking • Route Optimization • Agent case pool management • SLA-based case resolution timelines(3 Days) • Case lifecycle tracking Case workflow: Fresh → Available → Selected/Assigned → In Progress → Resolved / Unresolved / Disputed → Closed Field Agent Mobile Application: The mobile application will allow agents to manage cases directly from the field. Key features include: • Agent profile and KYC submission • Nearby case listing based on territory • Map-based navigation using GPS • Mandatory proof upload (photo / audio / video) • GPS-based check-in verification • Commission earnings dashboard Commission & Payment Management: The platform will support flexible commission models such as: • Fixed commission per recovery • Percentage-based commission • Tier-based incentive structures Payment confirmation and commission calculation will be managed through the system dashboard. Communication & Notification System: • In-app communication between agents and operations team • Automated notifications for case updates • SLA expiry alerts • Optional WhatsApp and SMS integrations • Call logging functionality Security & Compliance: The system will follow modern security practices including: • End-to-end encrypted APIs • Secure cloud storage • Role-based access control • Full audit logs of all system actions • Data protection and compliance standards
Project Development Phases
Phase 1 – Core Platform Development: This phase focuses on building the foundational structure of the system. Deliverables: • Admin Panel setup • User authentication and role management • Case management system • Agent Android mobile application • Backend API infrastructure • Basic reporting dashboard Phase 2 – Advanced Features & Integrations: This phase focuses on automation and advanced operational capabilities. Deliverables: • Commission engine implementation • GPS tracking and map navigation • Automation workflows and SLA monitoring • Analytics dashboards and reporting • Notification system integration Phase 3 – Testing, Optimization & Deployment: This final phase focuses on system stability and launch readiness. Activities include: • Functional and performance testing • Security Enhancement • Cloud deployment and production setup • Technical documentation • Go-live implementation
Technology Stack
Backend: Node.js (REST APIs, Modular & Microservices-ready Architecture) Web Frontend: React.js (Admin Panel + Client Portal) Mobile Application: React Native (Android) Database: PostgreSQL Cloud Infrastructure: AWS / Azure Maps & Geo Services: Google Maps Platform API Analytics: Power BI Integration
Team Allocation
Backend Developers- 2 Work on: Backend functionality, Database Management, API Development, Case Engine, SLA Engine, Commission Engine Frontend Developers- 2 Work on: Admin Panel, Client Portal UI & Integration Mobile Developers (React Native)-2 Work on: Agent App Development, Functionality, Database and GPS Integration QA Engineer-1 Work on: Functional Testing, Regression Testing, Performance Testing Total Team Size: 7 Members + 1 Project Head
Deliverables
• Admin Web Panel (React) • Client Portal (React) • Agent Mobile App (Android) • Backend REST APIs (Node.js) • Commission & Case Assignment • Power BI Embedded Dashboards • Cloud Deployment Setup • Technical Documentation • 1 Year Support
Estimated Project Timeline
Below is the estimated development timeline details.
Estimated Timeline:
75 Days
Your Investment
Total
Total: ₹410000
Approve Proposal
If you would like to join us and become a client then we’d be delighted to have you.
Zero One Infinity Makers (ZOI Makers) is a technology and digital solutions company dedicated to helping businesses grow in the digital world. We specialize in designing and developing high-performing websites, mobile applications, and custom software solutions tailored to business needs.
Our team focuses on creating modern, scalable, and user-friendly digital products that not only look professional but also deliver measurable results. Along with development services, we provide strategic digital marketing and lead generation solutions to help businesses attract more customers and increase revenue.
From startups to established companies, ZOI Makers partners with businesses to build strong digital foundations and drive long-term growth.
Our Services Include:
• Website Design & Development
• Mobile App Design & Development
• Custom Software Development
• Digital Marketing & Lead Generation
• E-commerce Solutions
• SEO & Performance Marketing
Website: https://zoimakers.com
- Project Scope The proposal outlines the scope of work agreed upon between the client and Zero One Infinity Makers (ZOI Makers). Any additional work or changes beyond the defined scope may require a revised quotation or additional charges.
- Payment Terms Payments will be made according to the payment schedule mentioned in the proposal. Work will commence after the initial advance payment is received. Final deliverables may be released after full payment is completed.
- Client Responsibilities The client agrees to provide all required content, images, credentials, approvals, and feedback necessary for project completion in a timely manner. Delays in providing these may affect the project timeline.
- Revisions The proposal may include a limited number of revisions depending on the package or scope defined. Additional revisions or major design/feature changes may be billed separately.
- Project Timeline Estimated timelines are provided based on the current scope and client cooperation. Any delays in approvals, content submission, or changes in requirements may extend the timeline.
- Intellectual Property Upon full payment, the client will receive ownership rights to the final approved deliverables. Zero One Infinity Makers retains the right to showcase the completed project in its portfolio unless otherwise agreed.
- Third-Party Services Any third-party services such as hosting, domains, plugins, APIs, advertising platforms, or software licenses are not included unless specifically mentioned in the proposal and may incur additional costs.
- Maintenance & Support Post-project support or maintenance will be provided only if included in the proposal or under a separate maintenance agreement.
- Confidentiality Both parties agree to keep confidential any proprietary or sensitive information shared during the course of the project.
- Termination Either party may terminate the project with written notice. Payments made for completed work or work in progress are non-refundable.
- Acceptance Approval of this proposal, payment of the advance, or written confirmation will be considered acceptance of these terms and conditions.