Client Overview
The client runs a recovery agency that partners with leading banks and credit card companies to manage loan and credit recovery. Performance-based incentives were a core part of how their field agents and back-office staff were compensated.
The Challenge
Every month, calculating incentives meant manually working through recovery performance, targets achieved, payment types, and a web of bank-specific rules. The process tied up the company owner and two employees for ten straight days. Several other companies had already tried and failed to automate it — some couldn't decode the incentive logic, others couldn't handle how often the rules changed. By the time they reached TechQRT, the client was skeptical the problem could be solved with software at all.
The TechQRT Approach
We started with a discovery phase to fully understand the existing manual logic, mapped the rules and exceptions into clear flow diagrams, and built a custom algorithm flexible enough to handle different incentive structures across banks and credit products. Given the client's history with failed vendors, we took on the delivery risk ourselves and only invoiced after the system was working.
The Solution
The result was a fully automated incentive engine integrated with the client's existing data: real-time computation based on live performance data, an admin-configurable rules panel so incentive logic can be updated without new development, error-free calculation with no manual intervention, and instant reporting for management.
The Outcome
Manual calculation time dropped by effectively 100% — incentives that took ten days now compute instantly and accurately. The owner and two staff members got that time back every month, and a client who had lost faith that this could be automated became a long-term partner.