Voice AI For Loan EMI Collections
Recover EMI payments faster, lower cost to collect, and stay compliant at scale.
90%
50%
75%
Cost to Collect
40%
Recovery Cycle
Trusted by Top BFSI Brands
The Operating System for Future-Ready Collections
Human-like AI Calls
Deliver natural conversations that improve engagement & response rates.
PTP Capture & Tracking
Capture promise to pay, amount,
& date with automated reminders.
Bucket-Wise Strategy Engine
Optimizes engagement for higher recovery probability.
Omnichannel Outreach
Engage debtors across calls, WhatsApp, SMS, & email.
Insights & Reporting
Track RPC, PTP speed, repayment timelines, & roll-forward reduction.
Multilingual Support
Engage debtors across
regions in local languages.
Live Agent Escalation
Escalate negotiations & disputes to human agents.
Quality & Compliance Guardrails
Enforce TRAI-aligned calling hours, script governance, & audit-ready logs.
Designed for High-Volume, Multi-Intent Support
Order, Delivery, & Service Status Updates
Account, Billing, & Payment Queries
Returns, Refunds, & Cancellations
Installation, Onboarding, & Service Requests
Ticket Updates & Follow-Ups
Retention & Churn Prevention
One Platform Across the Collections Lifecycle
Pre-Due and Due-Date Reminders
Proactive borrower notifications for upcoming EMIs & auto-debit status.
Early Bucket Collections (1–30 DPD)
Post-due borrower outreach to confirm intent & capture promise to pay.
Mid-Bucket Collections (31–60 DPD)
Borrower re-engagement, compliant timeline negotiation, & broken PTP follow-ups.
Activation & Retention
Identification of resolution-ready cases & routing to specialist human agents.
Proven Impact across High-Volume Teams
55%
Automation
70%
Cost Reduction
86%
Positive CSAT
Why Voice AI Outperforms Manual Collections
Aspect
- First Contact Time
- Calling Capacity
- Right Party Connectivity
- Follow-ups
- Time to Recovery
- Cost to Collect
- Compliance Control
Human-Led Collections
- Hours to days
- Limited by agent count
- 40-60%
- Manual & inconsistent
- Longer cycles
- High & variable
- Hard to audit at scale
SquadStack.AI Voice Agent-Led Collections
- Minutes
- Unlimited parallel calls
- 90%
- Fully automated
- 40% faster
- 75% lower
- Built-in guardrails
Bank-Grade Security & Compliance
DPDP Compliant
TRAI Compliant
Fits Seamlessly Into Your Collections Stack
Frequently Asked Questions
How does Voice AI speed up loan EMI collections?
Voice AI contacts borrowers immediately after due date, follows up consistently, and reduces delays caused by manual dialing. Faster first contact leads to faster promise-to-pay and recovery.
Is this suitable for Indian banks and NBFCs?
Yes. SquadStack is built specifically for Indian banks, NBFCs, and digital lenders, with full alignment to TRAI calling guidelines and data protection requirements.
Can Voice AI handle EMI collections at scale?
Yes. Voice AI can run thousands of parallel borrower conversations daily without capacity limits, making it ideal for high-volume EMI portfolios.
Can it manage different delinquency buckets?
Yes. Different scripts, tone, follow-up logic, and escalation rules can be configured for pre-due, early, mid, and late delinquency buckets.
Does Voice AI work for unsecured loans like personal loans and BNPL?
Yes. It is commonly used for personal loans, BNPL, consumer lending, and digital credit portfolios where scale and speed matter most.
Does it reduce cost to collect?
Yes. By automating pre-due, early, and mid-bucket collections, lenders reduce agent dependency and overall cost to collect significantly.
Can borrowers speak to a human agent if needed?
Yes. Calls can be transferred instantly to live collection agents for disputes, negotiations, or complex cases.
How does Voice AI capture and track promise-to-pay?
The AI agent confirms the repayment amount and date during the call and automatically triggers reminders until payment is completed or escalated.
What happens if a borrower breaks a PTP?
The system detects broken PTPs and automatically initiates follow-up calls or escalations based on predefined collection policies.
Does it support regional Indian languages?
Yes. Voice AI supports Hindi, English, Hinglish, Tamil, Telugu, Kannada, Marathi, and other Indian languages commonly used in collections.
Is this compliant with TRAI regulations?
Yes. Calling windows, retry logic, consent handling, and script governance are fully aligned with TRAI requirements.
How is borrower data secured?
All borrower data is isolated per client and protected using bank-grade security controls, encryption, and access governance.
How is this different from IVR or robocalls?
Voice AI agents are conversational. They understand borrower responses, adapt the flow, capture intent, and take actions like PTP booking or human transfer.
Can this integrate with our existing LMS or collections system?
Yes. SquadStack integrates with popular loan management systems, collections platforms, CRMs, and payment systems via APIs.
Can Voice AI send WhatsApp or SMS reminders?
Yes. Voice calls can be coordinated with WhatsApp, SMS, and payment reminders to improve repayment rates.
Does Voice AI replace collection agents?
It automates repetitive outreach and follow-ups so human agents can focus on negotiations, disputes, and high-risk cases.
How fast can we go live?
Most lenders go live within 1-2 weeks depending on integrations and script finalisation.
Can this be used for pre-due reminders?
Yes. Voice AI is highly effective for pre-due and due-date reminders to prevent fresh delinquencies.
What teams typically use this solution?
Heads of Collections, Central Ops teams, Credit and Risk leaders, Portfolio Managers, and CXOs.
Does Voice AI improve borrower experience?
Yes. Consistent tone, language preference, and respectful conversations improve borrower engagement compared to manual calling.
Can we control scripts and escalation rules?
Yes. All scripts, bucket logic, retry rules, and escalation thresholds are configurable.
