XPndAI builds custom AI debt collection agents that automate the full recovery lifecycle — DPD scoring, WhatsApp outreach, Hindi and Arabic voice AI, PTP capture, payment links, and compliance-ready escalation. You own the code. Zero per-account fees. RBI and CBUAE compliant.
AI debt collection is not just sending automated SMS. A proper AI collection agent scores each account, selects the right channel and timing, negotiates with the debtor, captures a payment commitment, and hands off to a human only when necessary.
ML models segment overdue accounts by DPD bucket (Day 1–15, 16–30, 31–60, 60–90, 90+), outstanding balance, product type, and historical payment behaviour. Each account gets a recovery probability score that determines strategy — tone, channel, timing, and escalation threshold.
The agent contacts debtors via WhatsApp, automated voice call, SMS, and email — in Hindi, English, or Arabic — at the optimal time for their segment. Messages are personalised: EMI amount, due date, outstanding balance, payment link. Not bulk blasts — targeted conversations.
Two-way AI conversation: the agent understands debtor responses, handles objections ("I'll pay next week"), captures Promise to Pay (PTP) with a confirmed date, offers restructured repayment plans within your policy, and dispatches a payment link on PTP confirmation.
The agent tracks every PTP date and automatically follows up if payment is not received. Broken PTPs trigger a new contact attempt or escalation to a human agent — with the full interaction history attached so the human collector picks up with context, not from zero.
Disputes, deceased accounts, legal notices, hostile interactions, or high-balance cases beyond the AI threshold are routed to human collectors. The escalation package includes: interaction transcript, account summary, debtor sentiment score, and recommended next action.
Every call, message, PTP, and payment is logged to an immutable audit trail with timestamp, channel, and outcome. Real-time dashboard: recovery rate by bucket, contact rate by channel, PTP fulfillment rate, cost per recovered rupee. Full export for regulatory review.
The agent integrates directly with your LMS or CBS, runs compliance checks before every outreach, and writes all outcomes back for a complete audit trail.
EMI reminders and overdue recovery for personal loans, business loans, and microfinance. DPD 0–90+ bucket strategy. Hindi, Marathi, Tamil, Telugu language AI. RBI Fair Practice Code compliant. LMS integration included.
Minimum payment reminders, overdue follow-up, settlement offer workflow. Two-way WhatsApp and voice for BNPL instalment recovery. Low DPD focus — AI most effective in 0–30 day bucket where human collectors are expensive to deploy.
High-value account collections where every interaction matters. AI handles early-stage reminders and PTP. Human collectors reserved for 60+ DPD. Integration with Finacle, Oracle FLEXCUBE, LOS/LMS APIs.
Outstanding invoice recovery for B2B lenders and trade finance companies. Email and WhatsApp outreach to accounts payable contacts, automated escalation chain, payment link dispatch, settlement tracking.
Gulf Arabic and Modern Standard Arabic voice AI for UAE banks, finance companies, and BNPL platforms. CBUAE Consumer Protection compliant calling windows. No per-call fees after delivery. AED 50k–150k.
For collection agencies managing debt portfolios on behalf of multiple lenders. Multi-lender account segmentation, separate audit trails per lender, configurable strategy per portfolio, compliance layer for each lender's regulatory environment.
For NBFCs, MFIs, and digital lenders wanting a detailed EMI-specific collection agent build — with DPD bucket strategy, WhatsApp + voice channels, PTP tracking, RBI Fair Practice Code compliance, and LMS write-back:
→ View the AI EMI Collection Agent Development pageSaaS platforms are fast to deploy but expensive to run and impossible to own. Here is the honest comparison.
| Factor | XPndAI Custom Build | SaaS Platform (Skit.ai / Floatbot.AI / Credgenics) |
|---|---|---|
| Collection strategy | ✓ Your rules, your logic — encoded in the system | Constrained by vendor workflow |
| LMS integration depth | ✓ Bidirectional read + write-back | Read-only or surface-level webhook |
| Pricing model | ✓ One-time fixed price — ₹10L–₹35L | ₹2L–₹10L/month ongoing |
| Source code | ✓ Yours at handover | Never yours |
| Language support | ✓ Hindi + regional + Arabic — natively trained | Limited or add-on cost |
| Compliance layer | ✓ RBI / CBUAE built into the agent architecture | Template compliance — your responsibility to configure |
| Break-even (50k accounts) | ✓ Under 18 months | Never — fees grow with portfolio |
AI for debt collection uses machine learning and conversational AI agents to automate the end-to-end recovery workflow. The system: (1) scores overdue accounts by DPD bucket and recovery probability, (2) contacts debtors via WhatsApp, voice AI, SMS, and email in their language at the right time, (3) conducts a two-way conversation — handling objections, capturing Promise to Pay, dispatching payment links, (4) tracks PTP dates and follows up automatically, (5) escalates complex cases to human collectors with full context. Every interaction is logged for regulatory compliance.
Yes. Banks, NBFCs, digital lenders, credit card issuers, and third-party collection agencies increasingly use AI for early-stage and mid-stage debt collection at scale. AI handles routine tasks — payment reminders, PTP capture, balance queries — without human involvement, freeing collectors for high-value accounts. Studies show AI-driven collection agents increase right-party contact rates by 20–40% and reduce cost-per-recovery by 50–70%. For late-stage debt and legal disputes, human collectors remain important — AI handles the volume, humans handle the complexity.
SaaS platforms are fast to deploy but come with ongoing fees (₹2L–₹10L/month) and constrained workflows — your collection strategy must fit the vendor's system, not the other way around. XPndAI builds custom: your DPD logic encoded in the agent, bidirectional LMS integration, Hindi and regional language training on your product's terminology, and full source code handover at delivery. No per-account fees, no monthly licensing. For 50,000+ active loan accounts, a custom build breaks even against SaaS in under 18 months.
A focused AI debt collection agent — WhatsApp reminders + voice follow-up + PTP tracking for one loan product with LMS integration — costs ₹10L–₹18L. A full omnichannel suite covering all DPD buckets, multiple channels, Hindi + regional language AI, and analytics dashboard costs ₹20L–₹35L. Fixed price, source code at handover, zero ongoing fees. UAE builds in Arabic start from AED 50,000.
Get a fixed-price proposal in 48 hours — scoped to your loan product, portfolio size, and regulatory requirements.
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