For NBFCs, lenders, and collections teams
AI voice agents for EMI reminders and early collections.
Early-bucket accounts usually need a nudge, not pressure. Decibyl makes the reminder call on a fixed script, sends the payment link mid-call, captures the promise to pay, and transfers to a human on any dispute or hardship. Every call recorded and scored.
Where the money leaks
Cost per agent call in early buckets
Accounts one or two days overdue rarely need a collections professional. Spending one on them is the most common cost leak in the function.
Scripts that drift
Thirty agents on a bad afternoon produce thirty different calls. Consistency is a compliance control, not a nicety.
Tone exposure
One aggressive call is a regulatory problem and a reputational one. Sampled QA finds it after the fact, if at all.
Accounts that only needed a reminder
Salary delays, forgotten mandates, failed auto-debits. A polite call on day two often closes the account without a collections process at all.
AI voice agent use cases for Lending & collections
- Makes EMI due and overdue reminder calls on a fixed, approved script
- Sends a payment link by SMS during the call
- Captures promise-to-pay date and amount, written back to your system
- Confirms mandate and auto-debit failures and prompts a retry
- Transfers to a human on any dispute, hardship, or request to stop contact
- Scores 100% of calls — every call, not a 2% sample
And what it does not doIt does not negotiate settlements, threaten, escalate tone, or contact third parties. It follows one approved script and transfers when a conversation leaves it.
Sample call
One call, one outcome.
Telugu / Hindi (code-mixed). 47s. QA score 98. Tagged “EMI reminder · day 2”.
An illustration of the agent’s script and outcome format, not a recording of a customer’s call.
- [outbound · 11:02]
- Agentనమస్కారం sir, ఇది automated reminder call. మీ EMI ₹4,250 రెండు రోజుల నుంచి pending ఉంది.
- CallerAuto-debit fail అయిందా?
- Agentఅవును sir. Payment link SMS లో పంపుతున్నాను — ఈరోజు pay చేయగలరా?
- CallerEvening లోపు చేస్తాను.
Promise to pay captured · today · payment link sent
QA score 98 · 47s · Telugu / Hindi (code-mixed) · EMI reminder · day 2
How it works
Three steps, and they genuinely are a sequence.
- 1
Your compliance team approves the script
Nothing goes live until the script and the transfer rules are signed off. The agent cannot depart from them.
- 2
Connect the account feed
Due and overdue lists by bucket, over a webhook or a scheduled file.
- 3
Every call is recorded, scored, and retrievable
With the transcript, the QA score, and the outcome written back — including the promise-to-pay date.
What you can see
Every call, on the record.
Sampled QA finds a bad call after it has already cost you something. We score all of them.
Full transcript of every call, searchable
Recording of every call
QA scoring you can run on every call — not a 2% sample
Outcome written back to your system via webhook or integration
The questions you’re about to ask.
Is this compliant with RBI’s conduct expectations on recovery calls?
The controls you need are the ones the agent gives you by construction: a fixed approved script, disclosure at the start, calls only in permitted hours, no third-party contact, no pressure tactics, immediate transfer on distress, and a recording of every call plus QA scoring you can run on all of them. Your compliance team sets the script and hours; we enforce them. We are not a law firm and this is not legal advice.
What if the borrower disputes the amount?
The agent stops, does not argue, and transfers to a human. Disputes are never an automated conversation.
What if someone says they are in financial hardship?
Transfer, immediately. Hardship is a human conversation with consequences the agent is not permitted to decide.
Can we hear the calls?
All of them. Full recordings and full transcripts on every call, and QA scoring you can run on every one — which is a stronger audit position than sampled human QA.
Can it call in the borrower’s language?
Hindi, Tamil, Telugu, Kannada, Marathi, Gujarati, English, and the code-mixed register most borrowers actually speak.
Where most Lending & collections start
Growth — ₹7,999/month
₹7,200 · 270–1,470 min, 2 phone numbers, telephony included, all Indian languages, and QA available on every call. Exclusive of 18% GST.
Also worth reading
Book a demo. We’ll call you back with a live agent.
Pick the language. You’ll hear exactly what your customers would hear.