Lending operations AI that checks its work, from loan file to collections call
We build document, voice, vision and AI-security systems for NBFCs and lenders that speed up underwriting and servicing, while credit decisions stay with your teams and collections stay within conduct rules.
Lending runs on documents and conversations. A loan file collects KYC, income proof, bank statements and property papers, often sent by DSAs as phone photos, and collections depend on a constant stream of calls and field visits. AI helps today by reading and cross-checking these files, analysing statements, and handling reminder and early-collections conversations in Hindi and regional languages under strict conduct rules. It should not approve loans, set limits or decide recovery action, and RBI expects lenders to stay accountable for what their agents and technology partners do. Our systems are built around that: evidence for every extracted value, confidence thresholds, real-time conduct guardrails and human sign-off wherever credit or customer harm is at stake.
Challenges we hear
Files sourced through many hands
Applications arrive from branches, DSAs, connectors and digital journeys in every format, so credit teams spend time chasing and re-keying documents before they can assess risk.
Thin-file and self-employed borrowers
Many borrowers have limited bureau history and informal income, so underwriting relies on bank statements, GST returns and field checks that are slow to analyse.
Collections conduct under scrutiny
RBI holds lenders responsible for the behaviour of their recovery agents and partners, and one abusive call or visit can become a complaint, a penalty or a news story.
Partnership and portfolio diligence
Co-lending, direct assignment and securitisation need file-level checks that partner banks and investors increasingly want evidenced rather than asserted.
Where AI fits
Document Intelligence
Extracts and cross-checks loan application documents, bank statements, property papers and portfolio files, with every value linked to its source page for credit and audit teams.
Voice AI
Runs EMI reminder and early-bucket collections conversations in Hindi, Hinglish and regional languages, with conduct rules enforced on every utterance.
Computer Vision
Verifies field visit photos and vehicle or asset images for location, time, reuse and identifiers such as chassis numbers and number plates.
AI Security & Compliance
Tests collections voice agents, in-house or vendor-built, against fair-practice and recovery-conduct scenarios, with reproducible audio evidence.
AI Sales & Marketing Automation
Qualifies DSA and web leads quickly by voice or WhatsApp, checks serviceability and consent, and routes ready applicants to the right sales team.
Use cases
Loan Application Document Extraction
Read loan files from branches, DSAs and digital journeys, extract KYC, income and business fields into your LOS, and flag missing or inconsistent documents before credit review.
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Bank Statement Analysis for Underwriting
Analyse bank statements from PDFs, scans and Account Aggregator data to surface income, obligations, bounces and red flags, with every figure traceable to transactions.
Property and Title Document Summarisation for Home Loans
Read sale deeds, encumbrance certificates, revenue records and approvals for home loans and LAP, build a chain-of-title summary and flag gaps for the advocate and credit team.
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Co-Lending and Portfolio File Audit
Check every loan file in a co-lending tranche, assignment pool or portfolio buyout against eligibility criteria and the loan system, listing missing documents and mismatches before money moves.
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Collections Voice Agent with Conduct Guardrails
A collections voice agent for early-bucket accounts that speaks Hindi, Hinglish and regional languages, captures promises to pay and disputes, and enforces conduct rules on every sentence.
EMI Reminder and Payment-Link Agent (Voice + WhatsApp)
Pre-due EMI reminders and bounce follow-ups by WhatsApp and voice in the borrower's language, with UPI payment links, mandate help and receipts, before accounts reach collections.
Field Collection Visit Photo Verification
Check geo-tagged photos from field collection visits for location, time, live capture and reuse, so collection managers can trust visit records and spot conduct problems early.
Vehicle and Asset Inspection from Photos for Auto Loans
Check vehicle and equipment photos for used-vehicle, tractor and commercial vehicle loans: read chassis, engine and plate numbers, match them to RC and invoice, and flag damage and reuse.
Conduct Testing for Collections Voice Agents
Test collections voice agents, in-house or vendor-built, for harassment, third-party disclosure, misrepresentation and vulnerable-borrower handling in Hindi and Hinglish, with audio evidence.
Loan Lead Qualification Agent for DSA and Web Leads
Contact new loan leads from DSAs, aggregators and your website within minutes by voice or WhatsApp, check serviceability and basic fit with consent, and route ready applicants to sales.
Regulatory context
RBI digital lending regulations
RBI's digital lending rules, first issued in 2022 and since updated, cover disclosures such as the Key Fact Statement, oversight of lending service providers, need-based data collection with consent, repayments directly to the lender and grievance redressal.
RBI Fair Practices Code and recovery-agent guidance
Lenders must ensure recovery agents do not harass or intimidate borrowers, and RBI expects recovery calls only between 8 a.m. and 7 p.m. Lenders remain responsible for agents and outsourced partners acting on their behalf.
RBI Account Aggregator framework
RBI's NBFC-Account Aggregator framework lets borrowers share bank statements and other financial data digitally with explicit, revocable consent, reducing reliance on uploaded PDFs.
Digital Personal Data Protection Act 2023 (India)
Requires a lawful basis such as consent, purpose limitation and security safeguards for personal data, which shapes how loan files, call recordings and field photos are processed and retained.
FAQs
01Will the AI approve or reject loans?
No. It extracts, checks and summarises so credit teams decide faster with better evidence. Credit decisions, deviations and sanctions stay with your authorised officers under your credit policy.
02How do you keep collections calls within RBI conduct expectations?
Every voice agent we build has a policy layer that enforces calling windows, identity confirmation, prohibited language and third-party rules before anything is said, and it transfers sensitive cases to people. We also test agents adversarially before and after launch.
03Can these systems work with our LOS and LMS?
Yes. We integrate through APIs, SFTP or staging tables with commercial and in-house loan origination and loan management systems, and agree field mappings with your IT team during the pilot.
04Which languages do the voice and WhatsApp agents support?
Hindi, Hinglish and English as standard, with Marathi, Gujarati, Tamil, Telugu, Kannada, Bengali and others added based on your borrower geography. We test every language with native speakers from the relevant region before launch.
Related industries
Founded by Akhilesh Mittal. 8 years building a security platform for a New Zealand company. IIT ISM Dhanbad and IMT Ghaziabad. Builds production agentic AI.
Test one lending workflow on your own files
Book a discovery call to scope a short pilot, from statement analysis to a conduct-safe reminder agent, and judge it on measured results before scaling.