Collection rate on the deployed bucket, five months in.
Solutions · Collections & recovery
+15% recovered. Nothing added to the cost.
Collections is won on timing and tone, and both collapse under human fatigue. The AI calls at the right moment, in the borrower's own language, hears hardship for what it is, and routes waivers and settlements to a person with authority. On the right, one morning of a real book being worked.
One morning · one portfolioSimulation
accounts worked0
promises to pay0
recovered today₹0
AI resolvedclosed by a person
"'Salary late aayi hai' is hardship, not refusal. A platform that can't hear the difference collects less and burns more."The recovery doctrine · tone is a collections strategy
The operator's truth
Collections is not a deflection problem. It is a resolution problem.
Most voice AI is sold on how many calls it can take off your team. That is the wrong number for a recovery book. The only figures that matter here are money recovered, promises kept, and roll rate held down.
So we build the motion around resolution, not containment. The AI works the account until it reaches an outcome, and the moment judgement is needed, a specialist closes it. Every conversation ends somewhere; nothing is deflected into silence.
Works across your book
One platform, every kind of debt.
Secured or unsecured, early bucket or written down, the motion adapts to how the money is actually recovered in that category. The same brain runs all of it, so what it learns on one book helps the next.
Cards & revolving
Minimum due, then the full arc
Cycle-timed nudges before the due date, minimum-due secured first, then a plan for the balance; disputes and chargebacks flagged and routed, never argued by a bot.
Holds: roll to next bucketPersonal loans & BNPL
Self-cure in the early bucket
High-volume 0 to 30 DPD worked entirely by AI with payment links in-call; partial-today, balance-on-payday offers where the rules allow.
Moves: early-bucket cure rateGold & secured
Cure before the asset is touched
Renewal and interest reminders that keep a pledged asset out of auction; escalation to a person the moment the conversation turns to release or repossession.
Moves: pre-auction cureAuto & two-wheeler
The reminder that beats the repo queue
Field-visit and repo actions are expensive and late. Timed voice outreach clears most arrears before a field agent is ever dispatched, and books the visit cleanly when it is warranted.
Moves: field-cost per recoveryHome & long tenure
The long book, still covered
Low-frequency, high-value accounts stay in contact through the tenure; early signs of stress caught and handed to a relationship manager while there is still room to restructure.
Moves: early stress captureTelecom & utility dues
Low ticket, mass scale
The accounts that were never economic to call by hand, worked every cycle at a cost that makes the segment viable; arrears cleared alongside the next bill or renewal.
Moves: cost to serve the tailThe recovery ladder
Day zero to the day it needs a person.
The book descends this ladder. The AI owns the top of it, in the accent colour. Where a call needs authority or a human ear, the rung shifts to the second colour and a specialist steps in, already briefed.
Stage 1 · Pre-due, day −5 to −3
The nudge that never becomes a case
A warm reminder in the borrower's language with a one-tap payment link. Most accounts never go a day late, so they never enter the expensive part of the book.
Payment link in-callHindi + regionalWhatsApp follow-up
Moves: pre-due cure rate
Stage 2 · Day 1 to 7
The conversation, not the script
The AI hears hardship for what it is and changes the play: partial today, balance on payday, a date shift where the rules allow. A flow chart cannot do this; a conversation can.
Hardship detectionSplit-payment offersSmart retry windows
Moves: early-bucket resolution
Stage 3 · Missed promise
The follow-up that lands on the day
Broken promises re-approached with the commitment on record: not accusatory, not amnesiac. The promise history travels with the account, so the next call starts where the last one ended.
PTP trackingKept-rate coachingChannel switch
Moves: kept-promise rate
Stage 4 · The judgement moment
A person, with authority
Waivers, settlements and disputes route to a recovery specialist mid-call, full history on screen, the offer pre-authorised. This is the handoff, and it is the product, not the fallback.
Warm handoffSettlement authorityDispute flagging
AI → human, in seconds, with context
Moves: mid-bucket recovery
Stage 5 · Deep buckets & write-downs
The accounts everyone stopped calling
Aged books worked at economics no agency can match; every account covered every cycle, and the true unrecoverables flagged with an evidence trail instead of quietly abandoned.
100% coverageAged-book economicsEvidence trail
Moves: deep-bucket liquidation
One lender's programme, in numbersNamed on request
From 18–21% to 31%, in five months.
A large Indian lender's early-bucket book, run on the platform. These are the numbers the programme reported; they go named on this page the day the register and approvals land.
Bucket recovery18–21% → 31%
Reach200,000+
Borrowers worked every month, no added collector headcount.
Disposition accuracy92%
Promises, objections and disputes captured correctly, so follow-ups land right.
Call completion75%+
Conversations completed, most running past the first objection.
Compliance by construction
Every rule that governs an Indian recovery call, enforced in the dialler.
The architecture is the point. The rule lives in the platform, not the training deck, so a non-compliant call cannot be placed and the trail your regulator wants already exists.
RBIFair practices & outsourcing norms
Conduct standards for recovery outreach and outsourced collections enforced in script and routing, with the full trail retrievable.
RBI · Digital lendingRecovery-agent conduct
Disclosure requirements and conduct boundaries for digital-lending recovery built into every call flow.
TRAI · TCCCPRContact windows & DND
Calling-hour windows, frequency caps and DND registry checks gate the dialler before a number is placed.
DPDP ActConsent & data protection
Consent status honoured per contact, data resident in India, recordings encrypted and access-controlled.
Internal100% call audit
Every recovery conversation scored, AI and human, where the industry samples under 5%. Your audit answer is the whole book.
PaymentsPCI-DSS handling
Payment links and card capture stay inside the standard; card numbers never linger in a transcript.
What collections buyers ask before signing
How fast does a pilot go live, and on what terms?
A production pilot on your real portfolio, not a sandbox. First live results by Day 7, a prove-it window agreed up front, and the baseline written down before the first call is dialled. If the number does not move, you walk.
What happens to hardship and dispute cases?
They always reach a person. The AI is trained to hear hardship as hardship, not refusal; disputes and distress route to your specialists mid-call with the full context attached. That routing is a platform rule, not an agent's judgement call.
Does this replace our dialler and CRM?
It can, but it does not have to start that way. The platform connects to Indian CBS, CRM and telephony stacks with pre-built connectors; dispositions and payments sync back to your system of record from day one.
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. Tenancy detail ships in the security pack.
How do you price this?
Consumption on handled volume, plus a success fee on uplift above your baseline. No seats, no shelfware; the full construct is on the outcome pricing page.
What proof exists on books like ours?
Ask for the reference call. The programme above reported a move from 18–21% to 31% in five months, and a separate financial-services book saw a 15% recovery uplift with the cost line held flat. Portfolio specifics beat averages; bring yours.
What it moves
The numbers this motion is judged on.
Recovery uplift+15%
Financial-services portfolio, with no added cost to collect.
Cost per outcome~30% lower
India benchmark across collections and retention.
Coverage & auditEvery account, every cycle
No account left unworked, and 100% of calls scored.
Judge it on your book