Digital Employees

Debt Collection
AI Agent

An always-on digital collections specialist that reaches out to delinquent borrowers, analyses sentiment, negotiates settlements, and escalates to field teams – recovering more debt at a fraction of the cost.

Collections Challenge

Collections at Scale is Operationally Impossible

A large NBFC with 50,000 borrowers has thousands of accounts in various stages of delinquency. Human callers can reach 150–200 accounts per day. The math doesn’t work – and high-pressure tactics damage customer relationships and regulatory standing.

The Debt Collection AI Agent solves the scale problem with empathetic, personalized, sentiment-aware outreach that maximises contact rates and recovery while maintaining the dignity and regulatory compliance that banking demands.

âš¡ Agent Capabilities

What the Collections Agent Does

01
Multi-Channel Outreach
Multi-Channel Outreach
Automated outreach via WhatsApp, SMS, IVR call, and email - with channel and timing optimised per borrower profile.
02
Sentiment Analysis
Sentiment Analysis
Real-time sentiment detection during conversations - adjusts tone from firm reminder to empathetic support based on borrower response.
03
Settlement Negotiation
Settlement Negotiation
Autonomously negotiates payment plans within your pre-approved settlement parameters - dates, amounts, and part-payment arrangements.
04
Smart Escalation
Smart Escalation
Routes hardship cases, legal escalations, and high-value accounts to the appropriate specialist team with complete context.
05
Recovery Analytics
Recovery Analytics
Dashboard tracking recovery rate by bucket, channel, agent, and borrower segment - with AI optimisation recommendations.
06
RBI Collections Compliant
RBI Collections Compliant
All communications comply with RBI's Fair Practices Code - no harassment, no unauthorised contact, full audit trail.

Proven Recovery Results

%
Higher Recovery Rate
x
More Accounts Contacted Daily
%
Collection Cost Reduction
FPC Compliance Violations

Deploy Your Debt Collection AI Agent

See the agent handle a live demo collections scenario – configured for your DPD buckets and product mix.