and Recover More Without Increasing Collection Headcount
Automate EMI reminders and early-stage recovery. Capture promises-to-pay at scale. Keep every interaction RBI-compliant and fully auditable.
Proactive outreach before and after due dates across
voice, WhatsApp and SMS
Persistent, multi-touch AI follow-ups across
every delinquency bucket
Reach more borrowers per day without adding agents or
compliance risk agents or compliance risk
The constraint is not the size of the delinquent portfolio. It is the speed, consistency, and compliance of outreach.
Collection agents handle 40–60 borrower interactions per day at best. At portfolio scale, most delinquent accounts receive no meaningful contact until they cross 30 or 60 DPD by which time recovery probability has fallen sharply.
Call quality, tone, and objection handling vary by agent and shift. Inconsistent engagement produces inconsistent outcomes and unreliable PTP conversion rates.
Manual collections create audit gaps. Missed DND checks, undocumented consent, and unlogged interactions expose lenders to regulatory risk under RBI guidelines.
Incomplete call logging leaves collections managers without accurate data on borrower intent, risk tier, or follow-up status making portfolio prioritisation guesswork.
UnleashX deploys AI Employees trained on your collections policy, delinquency buckets, and approved resolution workflows operating as a consistent, RBI-compliant collections layer that reaches every borrower in your portfolio, captures payment commitments, handles objections, and escalates high-risk accounts to human agents with full context. Your collections team focuses on complex negotiations and legal escalations not routine follow-up.
AI Employee initiates contact at the optimal time based on borrower behaviour, due date, and DPD status across voice, WhatsApp, and SMS simultaneously.
Conducts structured repayment conversations, records PTP date and amount, and syncs commitments directly to your LMS in real time no manual logging required.
Trained to navigate "I'll pay next week," "hardship claims," and "partial payment requests" within your defined resolution policy escalating only when thresholds are crossed.
Enforces RBI-mandated calling windows, DND suppression, consent capture, and interaction frequency limits on every outreach automatically.
The most cost-effective collection is the one that prevents delinquency entirely. Borrowers who receive a structured, timely reminder 3–7 days before their EMI due date are significantly more likely to pay on time yet most lenders rely on bulk SMS that goes unread. Your UnleashX AI Employee initiates personalised voice or WhatsApp outreach before the due date, confirms payment intent, and provides payment link or UPI options in the same interaction.
Bulk SMS campaigns see sub-15% open rates. Borrowers "forget" due dates. Early-stage delinquency builds unchecked.
AI Employee contacts 100% of borrowers before due dates. 29% reduction in pre-delinquency roll rates. Payment confirmation captured and logged automatically.
When a borrower is unavailable or requests a callback, your AI Employee reschedules automatically maintaining delinquency context and re-engaging within the compliance-permitted window.
RBI calling windows, DND suppression, interaction frequency limits, and consent logging enforced on every outreach automatically, with full audit trail.
AI Employees pause and adapt when borrowers interrupt or redirect the conversations maintaining the quality of a structured collections interaction throughout, without robotic overlap.
Every interaction produces a complete record: outcome, payment intent, PTP date, sentiment score, and risk flag synced to your LMS and CRM instantly.
UnleashX optimises for portfolio recovery efficiency, not call volume.
Compare how UnleashX stacks up against traditional methods and generic solutions.
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Stop wasting resources on repetitive tasks. Our intelligent automation platform combines AI co-pilots and agentic nodes to orchestrate your entire workflow eliminating bottlenecks, accelerating revenue, and delivering ROI from day one.
