Bulk Restructure Contracts – Collections Automation at Scale

When economic conditions shift or financial hardship spikes across your portfolio, restructuring contracts one by one isn’t just inefficient—it’s impossible. That’s why Symphonix debt collection software offers Bulk Restructure functionality, giving lenders a smarter, faster way to provide relief at scale.

Built for high-volume portfolios and fast-moving ops teams, Bulk Restructure is your go-to tool for controlled, compliant loan adjustments within a modern cloud-based lending environment.

What Is Bulk Restructuring?

Bulk Restructuring enables lenders to modify terms—like due dates, repayment statuses, or contract flags—across multiple accounts simultaneously.

This is especially powerful when:

• Responding to macroeconomic stress (e.g., natural disasters, interest rate hikes)

• Implementing a mass hardship campaign

• Aligning segments of your book with new policy or compliance rules

With Symphonix's collections automation features, these changes are executed through a job-based configuration process that is traceable, auditable, and efficient.

How It Works – An Example

Let’s say a regional lender wants to offer a 3-month payment deferral to 500 borrowers affected by a flood.

Using Symphonix:

1. Operations generates a report filtering eligible borrowers by hardship status, delinquency stage, and contract type.

2. The Bulk Restructure job is configured to adjust due dates and insert deferral indicators on the contracts.

3. Notifications can be configured through integrated communication workflows, where available.

4. The job runs, contracts are updated in one action, and all changes are logged for audit.

Just like that, 500 borrowers are supported—with full traceability and zero manual rework.

Why Lenders Love It

Symphonix Bulk Restructure includes:

• Job-based configuration with optional preview

• Eligibility criteria filters to target the right accounts

• Automated contract updates (due dates, flags, statuses)

• Audit logging of each change, including user and timestamp

• Workflow compatibility with delinquency, PTP, and contact strategies

And because it’s built into the debt collection software, restructure actions update borrower records in real time—ensuring alignment with Promise-to-Pay, tracking, and downstream collections workflows.

Efficiency Meets Empathy

Bulk Restructure lets you help more borrowers, faster—without compromising governance or control.

Whether you're adjusting 10 accounts or 10,000, Symphonix turns restructuring from a manual bottleneck into a digital asset, making it an essential collections automation tool for modern cloud-based lending operations.

Collections Automation for the Digital Lending 2.0 Era

In Digital Lending 2.0, lenders must be agile, data-driven, and deeply responsive to borrower needs. Symphonix lending software empowers you to restructure with intention—aligning portfolio outcomes with real-time reality.

Ready to restructure smarter?

Let’s talk about how Symphonix can help your team lead with precision—and compassion.