Lending & Collections AI

Turn every collections call into data your operation can act on.

We build a sovereign intelligence layer for lenders, NBFCs and collections agencies. Every borrower call is transcribed, scored and structured — promise-to-pay, intent, dispute, hardship, compliance — then unified with your account data and written back into your dialer, LMS and CRM, so the next action is already decided.

Works with
ExotelOzonetelKnowlarityAmeyoTwilioAsterisk / SIPSalesforceZoho CRMLeadSquaredCustom LMS / LOS
Carved stone facade of a classical bank building
100%
Of calls scored for QA & compliance
Sovereign
AI — every model runs in your infrastructure
Every
Language and dialect your borrowers use
How it works

From first call to
production in weeks.

A structured engagement designed to move fast without cutting corners — you see working software at every stage.

01

Connect

We tap your dialer and telephony (SIP/PSTN or cloud), pull historical recordings and account data, and map your collections workflow and compliance script.

02

Model

ASR fine-tuned on your languages and accents, plus extraction for promise-to-pay, dispute, hardship, right-party-contact and script adherence — validated against your QA team’s manual scores.

03

Deploy

Runs inside your VPC or on-prem. Every call, inbound and outbound, is scored in near real time. No audio or transcript leaves your infrastructure.

04

Hand off

Dashboards for collections and QA leads, an event stream and API write-back into your LMS/CRM/dialer, plus full source, IaC and training so your team owns it.

The progression

Start where you are.
Build toward the frontier.

We meet you at your current maturity level and build a clear path forward — from foundational implementation to research-grade capability.

01
Every call becomes structured data

Conversation Intelligence

  • Sovereign ASR tuned for regional languages, code-mixing and accents
  • Promise-to-pay, part-payment and callback commitments extracted
  • Dispute, hardship and complaint detection
  • Right-party-contact and reason-for-non-payment tagging
  • 100% of calls scored — inbound and outbound, not a sample
02
One view of every borrower

Customer & Account Data

  • Call signals joined to repayment history, bucket, DPD and product data
  • Borrower 360 across every call, SMS and agent touch
  • Segmentation by intent, sentiment and risk of roll-forward
  • PII resolution and storage inside your VPC
  • Clean event stream for downstream systems
03
The next action, already decided

Operations Intelligence

  • Account prioritisation and dialer strategy from call outcomes
  • Agent QA scorecards and coaching feeds on 100% of calls
  • Early warning on disputes, escalations and roll-forward risk
  • Compliance monitoring: disclosure read, no pressure language, call-time rules
  • Write-back to LMS, CRM and dialer so field and tele teams act on it
In the real world

What this looks like
when it's running.

Real scenarios, real numbers. The specifics change — the pattern is consistent.

Microfinance / NBFC

A lender scores 100% of its Hindi and regional-language field-collection calls, extracting promise-to-pay dates and hardship reasons into its LMS — replacing a 2% manual QA sample.

Full QA coverage, earlier roll-forward warning, richer borrower data, zero third-party data exposure
Digital lending

A digital lender routes tele-calling on the last call’s intent and sentiment, not DPD alone — hardship to restructuring, disputes to a specialist queue, high-intent to auto-pay setup.

Higher contact-to-resolution rates, fewer misrouted accounts
Collections agency

A third-party agency gives every client a compliance dashboard showing disclosure adherence and call-time compliance across 100% of calls handled on their behalf.

Audit-ready compliance evidence, stronger client retention
What you get

Shipped artifacts,
not slide decks.

Every engagement ends with working software, documented systems, and a team that knows how to extend them.

Call analytics pipeline

Sovereign ASR + structured extraction over 100% of call traffic, multilingual, near real time from call-end to signal.

Borrower data layer

Unified account view combining conversation signals with your LMS/CRM systems of record.

QA & compliance monitoring

Every call scored for disclosure, script adherence, call-time and pressure-language rules; exceptions routed to supervisors.

Operations signal feeds

Collections and QA dashboards plus API/dialer/CRM write-back, so prioritisation and coaching happen in the tools your team already uses.

Common questions

Before you
book the call.

The questions most teams ask us before they decide to move forward.

Ask us anything
Does our call audio leave our infrastructure?

No. ASR, extraction models and storage all run inside your VPC or on-prem. No audio or transcript goes to a third-party API — which is the whole point for regulated lending data.

How is this different from the analytics in our dialer?

Dialer analytics give you volume, talk time and the disposition code an agent typed. We read the actual conversation — promise-to-pay, hardship, disputes, sentiment, script adherence — on 100% of calls, and write those signals back so prioritisation and coaching change.

We only QA a small sample of calls today. What changes?

Every call gets scored, not 2%. Your QA team stops listening at random and starts working the exceptions the system flags — missed disclosures, pressure language, call-time breaches, coaching gaps.

What does integration look like?

We tap your telephony (SIP/PSTN or cloud dialer such as Exotel, Ozonetel, Knowlarity or Ameyo), read recordings and account data from your LMS/CRM (Salesforce, Zoho, LeadSquared or a custom LOS), and write signals back via API. No rip-and-replace; agents keep working in the same tools.

Which languages and accents does it handle?

ASR is fine-tuned on your own call recordings, so it handles the regional languages, code-mixing and accents your borrowers actually use — not just clean English or Hindi.

Who owns what we build?

You do — the full pipeline, models fine-tuned on your data, infrastructure code and runbooks, handed over with no licence-back. Pre-built speech and extraction modules that speed the build stay our IP and are licensed to you; your custom code and data stay entirely yours.

Ready to build?

Your Lending & Collections AI stack
starts with one call.

Book a 30-minute strategy session. We'll map your specific opportunity in lending & collections ai, identify the highest-leverage starting point, and tell you exactly what an engagement looks like.

Usually responds within 24 hours