Collections · Voice AI · RBI Compliant

AI Collections
Agent

Q: How does an AI collections agent work?

An AI collections agent is a voice AI that calls overdue accounts on behalf of a lender, NBFC, or collections department. The call flow: (1) AI calls the borrower at the configured time (morning preference, avoiding DND hours); (2) AI identifies itself as calling from your organisation regarding an overdue amount; (3) Presents the outstanding balance and due date; (4) Handles common objections — 'I'll pay next week', 'I already paid', 'I don't have money right now' — with configured responses including payment plan offers; (5) For willing-to-pay customers, sends a payment link via SMS/WhatsApp immediately during the call; (6) Records promise-to-pay date and amount if the customer commits; (7) Escalates to a human collector if the AI cannot resolve the objection; (8) Logs full call transcript, outcome, and next action to your collections management system.

Q: Is an AI collections agent compliant with RBI guidelines in India?

XPndAI's AI collections agent is built to comply with RBI's Fair Practices Code for NBFCs and banks. Key compliance features: (1) The AI identifies itself as an AI and names the lender organisation at the start of every call; (2) Calls only within permitted hours (8am–7pm for most categories, stricter for personal loans); (3) Does not call DND-registered numbers; (4) No harassment or abusive language — the AI uses only pre-approved scripts; (5) All calls are recorded and stored with full audit trail; (6) Immediate human escalation available on customer request; (7) Every call outcome is logged for regulator inspection. For UAE, the platform complies with UAE PDPL and CBUAE debt collection guidelines.

Custom AI voice agent that calls overdue accounts at scale — in Hindi, English, or Arabic. Handles objections, sends payment links during the call, records promise-to-pay, and escalates to human agents when needed. RBI-compliant for India. UAE PDPL compliant.

NBFC · Banks · MicrofinanceHindi + English + ArabicPayment link in-callPromise-to-pay trackingRBI Fair Practices compliant

Get Collections AI Demo See the Call Flow

AI Collections Demo — Free

Tell us your portfolio and DPD buckets. We'll demo a live collections call on a test account.

Call Flow

Full Collections Call — Automated

From dialler trigger to payment link delivered in under 4 minutes. Human agent only needed for disputed accounts.

Account Triggered

Account enters DPD threshold (1/7/30/60/90 days) — AI dialler picks it up based on priority rules

T+0s

AI Calls Borrower

Calls in borrower's preferred language (Hindi, English, Tamil, etc.) — identifies as calling from your org, states overdue amount and due date

T+10s

Objection Handling

"I'll pay next week" → offers payment plan, books reminder. "I already paid" → checks payment status live. "Can't afford" → offers restructuring options

T+1–3 min

Payment Link Sent

For willing-to-pay: sends payment link via SMS + WhatsApp during the call — borrower pays while AI waits on line

T+3 min

Promise Recorded

If not paying now: records promise-to-pay date + amount, books follow-up call for that date automatically

T+4 min

CMS Updated

Full call transcript, outcome (PTP/refused/paid/disputed/escalate), and next action logged to collections management system

T+4 min

Human Escalation

Disputed accounts, legal threats, fraud indicators → immediate warm transfer to human collector with full context pre-loaded

As needed

Capabilities

Built for Real Collections Workflows

📞

Predictive Dialler Integration

Integrates with Exotel, Ozonetel, Knowlarity, Plivo, and custom SIP diallers. Configurable call timing, retry logic, and concurrent call limits per collector team.

DPD bucket–based priority
Time-zone aware dialling
Retry after busy/no-answer

💳

In-Call Payment Links

Integrates with Razorpay, PayU, Cashfree, BillDesk (India) and Stripe, Telr (UAE) to send payment links via SMS/WhatsApp while the borrower is on the call.

Link sent in under 3 seconds
Payment confirmation real-time
Partial payment handling

🗣️

Multi-Language + Dialect

Hindi (formal and casual registers), English, Tamil, Telugu, Marathi, Bengali, Gujarati — each with the right dialect and register for collections context. Not generic TTS.

Borrower language detected from profile
Auto-switch mid-call
SMS/WhatsApp in same language

📋

Promise-to-Pay Engine

Structured PTP capture with date, amount, and payment method. Automatic follow-up call scheduled for the PTP date. PTP breach tracking and re-escalation logic.

PTP date + amount recorded
Auto follow-up on PTP date
Breach flag and re-queue

⚖️

RBI Compliance Built-In

Calling hours enforcement (8am–7pm), DND filtering, AI self-identification on every call, no abusive language, full call recording, audit trail. TRAI DLT registered templates.

DND registry integration
Calling hours enforcement
Full audit log per account

🔗

CMS + LMS Integration

Integrates with Nucleus Software, FINNONE, Finflux, Credfin, and custom LMS/CMS via API or database. Account status, payment history, and contact details synced in real time.

Real-time account data lookup
Outcome auto-posted to LMS
Custom field mapping

Finance AI Cluster

Full Finance Automation Stack

AI Finance AutomationFinance hub → AI Invoice ProcessingAP automation → AI ReconciliationBank-to-GL → CA AI AgentChartered accountants → Vapi AlternativeCustom voice AI → Voice Agent DubaiReal estate →

Pricing

AI Collections Agent Pricing

Fixed scope. Live demo on a test account before build. Deployed to production in 6–10 weeks.

Collections MVP

$15K – $35K

Single DPD bucket, one language

AI voice agent (outbound collections)
1 language + English
Payment link integration (1 gateway)
Promise-to-pay capture
CMS webhook integration
6–8 week delivery

Get MVP Quote

Common Questions

How does an AI collections agent work?

The AI calls overdue accounts on your behalf. Call flow: identifies as calling from your organisation, states the overdue amount, handles objections ("I'll pay next week" → books PTP; "I already paid" → checks status live; "Can't afford" → offers restructuring), sends payment link via SMS/WhatsApp during the call for willing-to-pay customers, records promise-to-pay date and amount, and escalates disputed or complex accounts to human collectors. Full transcript and outcome logged to your CMS automatically.

Is an AI collections agent compliant with RBI guidelines in India?

Yes. Key compliance features: AI self-identifies on every call, calls only within permitted hours (8am–7pm), DND registry filtered before dialling, no abusive language (pre-approved scripts only), all calls recorded with full audit trail, human escalation available on customer request. TRAI DLT registered templates for SMS. For UAE: complies with CBUAE debt collection guidelines and UAE PDPL for data residency.

Which collections management systems does it integrate with?

Nucleus Software FinnOne, Finflux, Credfin, C-Edge, Intellect Design, and custom LMS/CMS via REST API or database. For diallers: Exotel, Ozonetel, Knowlarity, Plivo, Twilio, and SIP-based custom diallers. Payment gateways: Razorpay, PayU, Cashfree, BillDesk (India); Stripe, Telr, PayTabs (UAE).

AI CollectionsAgent