An unnamed financial-services book, with no added cost to collect.
Industries · BFSI · NBFCs
Lending is won on the recovery call.
An NBFC lives and dies on the book it collects, at margins too thin to staff a human floor for every bucket. Oriserve works the whole lending relationship, but the heart of it is recovery: timed, in-language, hardship-aware, and compliant by construction.
The book, worked · liveSimulation
conversations0handled by AI0to a person0
handled by AIto a person
"The race to 100% automation is a mirage. The hardest calls, the settlement, the exception, are exactly where an NBFC's money is decided."The NBFC doctrine · recovery is the product
The NBFC economics
At NBFC margins, the account you cannot afford to call by hand is exactly the one that rolls to the next bucket.
Human collections is too costly to cover every account every cycle, so early buckets self-cure less than they should and aged books get abandoned. The cost line and the recovery line fight each other.
The AI works every account every cycle at a fraction of the human cost, hears hardship as hardship, and routes waivers and settlements to a person with authority, so recovery rises while the cost to collect falls.
The customer lifecycle
Six stages, with recovery at the centre.
From the loan enquiry to the top-up, the same brain runs the lending relationship; recovery is where it earns its place, and each stage maps to a solution.
Acquire
The loan enquiry, qualified
Eligibility and intent established on inbound and campaign leads, documents set up, the ready ones routed to a person while warm.
Moves: application start rateLead qualification →Onboard
Disbursed and set up to repay
KYC, mandate and auto-debit setup, and a first-EMI reminder, so repayment starts clean instead of missing month one.
Moves: first-EMI on-timeOnboarding & support →Serve
Servicing and foreclosure queries
Balance, schedule, foreclosure and statement queries resolved end to end, the hard ones handed to a person.
Moves: servicing costCustomer support →Collect
Early bucket to deep book
The core: pre-due nudges, early-bucket self-cure, missed-promise follow-ups, and settlements routed to a specialist with authority.
Moves: bucket recovery, roll rateCollections →Retain
The good borrower, kept
On-time borrowers re-engaged for repeat loans and top-ups before they refinance elsewhere.
Moves: repeat-loan rateRetention →Grow
Pre-approved, at the right moment
Pre-approved and cross-sell offers surfaced to healthy borrowers in the flow of a servicing call, only when they fit.
Moves: cross-sell rateRenewals & top-ups →Across the book
Every kind of lending, one platform.
Secured or unsecured, the motion adapts to how that book is actually recovered, and the same brain gets sharper the more books it works.
Personal loansConsumer-durable financeTwo-wheeler & auto financeGold loansLoan against propertyMicrofinanceBNPL & digital lending
Who runs on the platform
What we run for NBFCs, counted.
HDB Financial and a leading gold-loan NBFC run on the platform today. No figure on this page belongs to either of them.
The recovery number below comes from a separate, unnamed financial-services portfolio, and carries no read-across to any named client.
Collections uplift+15%
Cost per outcome~30% lower
India benchmark across collections and servicing.
CoverageEvery account, every cycle
No account left unworked because the team ran out of hours.
Audit coverage100%
Every recovery call scored, AI and human.
Compliance by construction
Every rule that governs a recovery call, enforced pre-dial.
Digital-lending conduct is not an afterthought here; it is built into the call flow, and RBI's FREE-AI posture is how the platform already runs.
RBI · Digital lendingConduct & disclosure
Digital-lending disclosure requirements and conduct boundaries built into every call flow the platform places.
RBIRecovery-agent conduct
Fair-practices recovery conduct enforced in script, schedule and routing, with the full trail retrievable.
RBI · OutsourcingAccountability
Outsourcing accountability for calls placed on your behalf, version-pinned and auditable.
TRAI · TCCCPRContact windows & DND
Calling hours, frequency caps and DND checks gate the dialler; a non-compliant call cannot be placed.
DPDP ActConsent & residency
Borrower data under consent, resident in India, encrypted and access-controlled.
PaymentsPCI-DSS handling
Payment links and card capture stay inside the standard; card numbers never linger in a transcript.
What NBFC buyers ask before signing
Does this replace our dialler and collections agency?
It can, and it can start alongside them. The platform works early buckets end to end and routes the judgement calls to your specialists; many NBFCs start on one bucket and expand as the recovery and cost numbers land.
How does it stay compliant with RBI digital-lending rules?
The conduct rules live in the platform. Disclosure, contact windows and recovery conduct are enforced before and during the call, every call is recorded and scored, and the posture matches RBI's draft FREE-AI expectations.
How does it handle genuine hardship?
It hears it and routes it. The AI is trained to tell hardship from refusal; distress and settlement cases go to a person with authority, mid-call, with the history attached.
Is our portfolio data used to train shared models?
No. Your data stays yours, resident in India, and what the platform learns on your book improves your book.
What proof exists on books like ours?
Ask for the reference call. An unnamed financial-services book saw a 15% recovery uplift with the cost line held flat; bring your buckets and we will baseline first.
How is it priced?
Consumption on handled volume, plus a success fee on recovery above your baseline. No seats; the full construct is on the outcome pricing page.
The rest of BFSI
One platform, every regulated book.
The same platform runs bank servicing, card revolving, and insurance renewals, each with its own regulator and its own motion.