Use Case Proposal for Income Collection – Streamlining Securitization Cashflows with Scalata
For securitization investors, reliable, timely income collection is foundational to managing cash flows, assessing risk, and forecasting returns. Yet, manual tracking of trustee reports, principal and interest payments, and waterfall allocations makes it challenging to reconcile actual vs. expected income and detect anomalies across a diverse portfolio.
Step 1: Confronting Manual Income Tracking and Reconciliation
- Your team spends countless hours parsing trustee statements, tracking cashflows by hand, and reconciling monthly distributions with expectations. This reactive process can delay detection of missed or misallocated payments and generate operational inefficiencies.
Step 2: Building an AI-Powered, Unified Payment Data Core
- Scalata ingests payment data from trustee reports, servicing statements, and waterfall documentation, automatically extracting all principal and interest flows, distribution dates, and tranche-level allocations into a normalized database for instant access.
Step 3: Activating Interactive, Real-Time Income Analytics
- With this database, analysts can use conversational AI to instantly query, “Show actual vs. expected interest payments for all A1 tranches last quarter,” or “Which deals experienced payment shortfalls or delays in the past six months?” This allows proactive management of cash flow timing and allocations.
Step 4: Automating Surveillance, Alerts, and Compliance
- Scalata’s AI agents continuously monitor accounts for missed payments and discrepancies, flagging issues as soon as they occur and triggering automated notifications. The platform can also generate summary reports for audit and compliance, supporting both operational accuracy and regulatory requirements.
The Strategic Outcome with Scalata:
You move from labor-intensive, error-prone income tracking to a proactive, data-driven cash flow management process. This enables faster reconciliation, improved payment forecasting, prompt anomaly resolution, and more predictable returns for securitization investors.
