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AGENTIC AI FOR COLLECTIONS

Smarter conversations. Stronger recoveries.

Orchestrate AI voice, WhatsApp and RCS to engage borrowers, understand payment intent and turn every interaction into a smarter path to recovery.

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Collections at scale, powered by MsgKart

600Cr+
Loan books handled
55%
Promise-to-pay capture rate
XX Mn+
Calls made by AI voice agents
20+
Lenders, NBFCs and fintechs served
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How CollectIQ works

Omnichannel AI, from insight to recovery

Customer and lender data flow into CollectIQ, where agentic AI scores and segments every borrower, builds the right strategy, and reaches them on the channel most likely to respond, with every outcome feeding back into the next decision.

Inputs
Customer Intelligence
All the signals in one place
Communication Data
Communication History
Channel Preferences
NBFC Inputs
Profile Information
Payment Behaviour
CollectIQ
Agentic AI for smarter collections
Customer Context
Unified view. Deeper insights
Score Customer
Segment Customer
Strategy Builder
Finds the right time, frequency & channel
Omnichannel Agent Studio
Agentic AI Orchestration
Signals
Alternate Data Signals
More context. Better decisions.
Account Aggregator
Detect financial health
Skip Tracing
Find updated contact info
Bureau Pulls
Access credit bureau signals
SMS Parsing
Fetch financial transactions
Omnichannel Agentic AI Engagement
Meet customers where they are
Voice Bots
WhatsApp
RCS
Outbound Calls
Email
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STAGES

The DPD Journey, stage by stage

DPD 1 - 5
DPD 6 - 30
DPD 30 - 60
DPD 60 - 90
DPD 1 - 5

Gentle, proactive reminders

AI ACTIONS
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Send EMI reminder
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Offer auto-pay setup
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Capture early promise-to-pay
CHANNEL MIX
WhatsApp
60%
RCS
25%
SMS
15%
EXPECTED OUTCOME

62% resolved before due date

DPD 6 - 30

Persistent, multi-channel follow-up

AI ACTIONS
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Voice agent calls if unresponsive
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Send payment link via RCS
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Negotiate partial payment
ESCALATION LOGIC
Escalate to a human agent after 3 unresolved attempts.
CHANNEL MIX
WhatsApp
40%
Voice
30%
RCS
15%
SMS
10%
EXPECTED OUTCOME

35% recovery within 30 days

DPD 30 - 60

Structured negotiation

AI ACTIONS
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Offer restructuring options
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Schedule a settlement call
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Flag high-risk accounts
ESCALATION LOGIC
Auto-escalate flight-risk accounts to collection specialists.
CHANNEL MIX
WhatsApp
50%
Voice
30%
RCS
10%
SMS
10%
EXPECTED OUTCOME

22% recovery within 90 days

DPD 30 - 60

Recovery & settlement

AI ACTIONS
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Present settlement offers
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Coordinate field-agent visits
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Document compliance trail
ESCALATION LOGIC
Full hand-off to a specialized recovery team.
CHANNEL MIX
Voice
60%
WhatsApp
25%
Email
15%
EXPECTED OUTCOME

22% legacy-debt recovery

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RCS · Nudge

Turn timely EMI reminders into simple, one-tap repayments.

Deliver personalized EMI reminders with rich payment details and clear calls to action that make it easier for borrowers to complete their payments.

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WhatsApp · Engage

Turn borrower hesitation into clear repayment commitments.

Use AI-powered WhatsApp conversations to understand payment intent, address concerns and help borrowers identify a suitable next step.

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AI Voice · Resolve

Turn repayment conversations into meaningful recovery outcomes.

Engage borrowers through natural voice conversations, capture payment commitments and coordinate timely follow-ups across channels.

Animated graphic showing a dark blue stylized motorcycle icon spinning and transforming into a glowing 3D blue and white skateboarding figure surrounded by abstract shapes and lines on a black background.
A screenshot of a mobile payment app showing a 7,000,000 VND transfer labeled as Insurance from the DreamNest Finance company, marked as completed on June 16 at 00:24.
Empty WhatsApp chat screen with wallpaper showing light icons like pizza, bicycle, camera, octopus, and gaming controller; header displays 'Throttle Hub' with a motorcycle icon and verified badge.
Animated GIF of WhatsApp chat screen with a conversation named CreditMoney showing three messages: first message greeting and mentioning CC credit, second message explaining loan eligibility with details on approval limits and process, and last message confirming loan status with appreciation. The background contains typical WhatsApp pattern icons.
Voice call interface showing an ongoing one-minute call with Vardhan Finance, a two-wheeler loan virtual assistant. The screen displays a placeholder avatar with a verification check and live caption enabled. Call controls include mute, speaker, and a menu icon, with a red button to end the call.
Mobile screen displaying an ongoing voice call with Kaveri Bank, labeled as Personal loan EMI and Virtual assistant, call duration 1 minute 22 seconds, with live caption feature active but no captions shown, call controls for mute, speaker, more options, and a red end call button.
Pre-due EMI reminder
1/2
Overdue EMI follow-up
2/2
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proven results

Outcomes enterprises

can put a number on

40 %

Higher Collection Rate

over traditional collections

2.1 x

Higher Contact Rate

with AI Voice

50%

WhatsApp Call Pickup

versus industry average

40%

Lower Operational Cost

with automation at scale.

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ai powered collections

Smarter collections. Stronger recoveries.

40%

Increase in collections,
AI-Powered Omnichannel engagement

24/7
AI ENGAGEMENT
3+
CHANNELS USED
AI
VOICE AGENTS
1:1
PERSONALISED JOURNEYS
COLLECTIONS PERFORMANCE
manual collectionsBaseline
AI POWERED COLLECTIONSOptimised

Personalised outreach across voice, RCS, SMS & WhatsApp.

Ready to put Collections to work for you?

Book a personalised walkthrough and see your own portfolio data inside the platform.
Book a Demo  →
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Manager dashboard

Every ticket, every agent, in one live view

Managers see all tickets across the team, assign them to the right agents and keep an eye on workload and closures as they happen.

Live dashboard
All tickets · Support team
Today
7 days
30 days
Custom
Total tickets
4,286
All time
Unassigned
18
Waiting for an agent
Open
326
Being worked on
Closed
3,942
2,710 agent · 1,232 bot
Agent status
16 agents
 
Active
12
 
On break
3
 
Idle
1
NS
Neha S.
Active
14 open
AM
Arjun M.
Active
11 open
RT
Riya T.
On break
9 open
Ticket closure trend
 
Agent
 
Bot
 
 
Mon
 
 
Tue
 
 
Wed
 
 
Thu
 
 
Fri
 
 
Sat
 
 
Sun
Unassigned
T-2058 · Kavya Menon
Customer query · Refund status · 2 min ago
Assign to
AM
Arjun M.
Assign
Access to every ticket
Open any ticket in the team, read the full conversation and step in when a customer needs it.
Assign to the right agent
Route new and unassigned tickets to the agent best placed to resolve them, in one click.
Track team and closures
See who is active, on break or idle, and how many tickets agents and the bot close each day.