Application and disbursal status
Borrower asks where the loan has reached. The agent reads live status from your LOS and explains the pending step in Hindi.
Financial Services & BFSI
AI support for lending and collections
Application status, EMI reminders, KYC follow-ups and policy servicing, on voice and WhatsApp, with consent, audit trails and human escalation built in.
Statement of one conversation
Illustrative example, not a customer record
| Time | Customer | Agent | Kept on record |
|---|---|---|---|
| 10:14:02 | Asks where the loan application has reached, in Hindi | Reads live status from the loan system and explains the pending step | Transcript with timestamps |
| 10:14:41 | Asks which document is still missing | Names the document, accepts the upload on WhatsApp and re-checks the application | Upload logged against the customer |
| 10:16:10 | Asks to negotiate a settlement | Does not answer. Routes to a licensed person, by rule | Transcript attached to the handover |
Full transcript and recording retention. Every conversation is retained with timestamps and the agent version that handled it, so a dispute can be reconstructed rather than argued.
Two columns that never mix
Advice that needs a licensed human, such as investment suitability, settlement negotiation or hardship cases, is routed to a person by rule, not by the agent's judgement.
The agent handles
- Application and disbursal status
- EMI and premium reminders
- KYC and document chase
- Renewal dates, nominee updates and claim-process questions
A licensed person handles, by rule
- Investment suitability
- Settlement negotiation
- Hardship cases
- Anything else that needs a licensed adviser
Consent and opt-out honoured permanently
A refusal or a silence ends outbound contact for good. Opt-outs are stored per customer, not per campaign, so a later campaign cannot resurrect them.
A payment reminder goes out before the due date. The customer:
Reminder delivered
On voice or WhatsApp, before the due date, with a payment link.
One polite second attempt
Made only because the first went unanswered. Silence after that ends outbound contact.
Outbound contact ends for good
The opt-out is stored against the customer, not the campaign, so a later campaign cannot bring it back.
Where the branch phone goes today
- "What is my application status?" is the single largest call driver every month
- EMI and premium reminders are manual, expensive and inconsistent across branches
- Incomplete KYC quietly stalls applications nobody chases
- Regulated conversations need records that a personal WhatsApp thread cannot give you
- Carried forward
- Branch staff reading application status off a screen, one call at a time, in office hours only
- With CallMissed
- Status, reminders and document chase handled around the clock; staff keep the conversations that need judgement
Grounded in your own circulars
Agents answer from the product sheets and circulars you upload. Outside that set they say so and hand over, instead of improvising a rate or a rule.
EMI and premium reminders
Outbound voice or WhatsApp reminder before the due date with a payment link, and a polite second attempt only if the first goes unanswered.
KYC and document chase
Agent tells the customer exactly which document is missing, accepts the upload on WhatsApp and re-checks the application.
Policy servicing
Handles renewal dates, nominee updates and claim-process questions from your own policy documents, escalating anything requiring a licensed adviser.
Totals
Customer asks on WhatsApp or voice → AI reads live status from your system → resolves or chases the missing document → escalates regulated advice to a licensed human with the transcript attached.
- Indian languages supported
- 22
- Conversations retained with transcript
- 100%
- Status and reminder cover
- 24/7
Posts to the systems you already keep
WhatsApp Business API, Voice (Exotel, Twilio), Salesforce, Zoho CRM, Webhooks, REST API
Questions a risk team asks first
- Can the AI give financial advice?
- No, and it is configured not to try. It handles status, servicing and reminders. Anything touching suitability, settlement or hardship is escalated to a licensed human by rule.
- How are recordings and transcripts retained?
- Every conversation is stored with its timestamps and the agent configuration that handled it. Retention windows are configurable per workspace to match your own policy.
- Does it respect DND and opt-outs?
- Yes. An opt-out is stored against the customer and honoured across every future campaign, not just the one that prompted it.
Bring your servicing and collections leads to a demo
We walk through status, reminders, document chase and the escalation rules on your own product sheets.