Automated CRM platform for real-time payment monitoring and debt collection

Overview
A custom CRM backend enabling real-time payment monitoring, automated client reminders, and streamlined debt collection for a real estate development company.

Client

• Country: Poland

• Industry: Real estate development

• Type: Enterprise SME

• URL: sovo.dev

Challenge
“Our finance team was spending too much time reconciling bank statements, chasing overdue invoices, and manually managing client communication. We needed an automated system to monitor payments in real time and enforce consistent debt collection workflows.”

Solution

• Delivered a custom CRM with:

  • Real-time bank integration (PSD2-compliant API)

  • Automated detection of delayed or missing payments

  • Configurable debt collection workflows and escalation rules

  • Automated email/SMS notifications to clients

  • Payment tracking dashboard with role-based access

• Backend: Node.js REST API, PostgreSQL schema design, secure bank API integration, event-driven debt collection engine

• Frontend: React.js + Tailwind CSS for dashboards and reporting

• Integrations: Bank API (Open Banking), Twilio (SMS), SendGrid (email)

• Team: 1 backend engineer, 1 frontend engineer, 1 QA, 1 project manager

Result

• 75% reduction in manual payment reconciliation work

• 40% faster debt collection cycles compared to manual process

• 95% of overdue clients now receive automated reminders within 24 hours

• Improved transparency with dashboards, reducing disputes and delays

Additional Information

• Key numbers: 1,000+ transactions monitored per month; <200 ms avg. response time

• Technologies: Node.js, PostgreSQL, secure banking API integration, role-based access control, event-driven workflows

Process

• Discovery → workshops with finance/legal teams to map workflows

• Architecture → API endpoints, workflows, permissions

• Implementation → iterative sprints, CI/CD pipelines on AWS

• Validation → staging with anonymized bank data, UAT with finance team

• Go-live → gradual rollout per project, KPI monitoring

Client Testimonial

“The new CRM saves our finance team hours every week. Automated reminders and escalation have improved payment discipline and reduced overdue accounts.”
— Michał Dachtera, Finance Director, SOVO Development, Media: Click the link