AI-Powered Collections
AI That Recovers More -
Without the Manual Work
Automate follow-ups, reach every overdue account on time, and increase recovery without increasing headcount.
AI-Powered Collections
AI That Recovers More -
Without the Manual Work
Automate follow-ups, reach every overdue account on time, and increase recovery without increasing headcount.
Problems
Collections Doesn't Fail Because
Your Team Isn't Working Hard.
Day 1 Coverage Gaps
The first 48 hours are the highest-recovery window. Not every overdue account gets contacted when it matters most — and most teams miss a chunk of it.
Wasted Agent Hours
Your best callers spend time dialing low-probability accounts because there's no system telling them which accounts are actually worth pursuing today.
Follow-Up Amnesia
A borrower says "I'll pay by Friday." Nobody tracks it reliably. Friday passes. The account ages. Recovery probability drops — quietly.
Reactive Escalation
High-risk accounts don't get flagged early. By the time someone notices, you've already lost the negotiation window.
Channel Blindness
Some borrowers pick up calls. Others respond to SMS. Others need a WhatsApp nudge after a missed call. But every account gets the same treatment.
Recovery doesn't drop overnight. It leaks slowly, quietly, consistently. The question isn't whether your team is trying. It's whether your system can keep up with your portfolio.
This Isn't Autodial + Script.
This Is an Execution Engine.
Most "AI collections" tools automate the mechanics - dialing, retrying, sending messages. Convin automates the decisions: who to contact, when, through which channel, what to say, and what to do when the borrower responds.
01
Automated Outbound That Adapts
Convin's AI voice agents handle high-volume outbound not as robocalls, but as structured, natural-language conversations in regional languages. The AI introduces context, handles common responses, captures promises, detects intent signals and transfers to a human when the situation requires judgment.
Natural language conversations
Regional language support
Intent detection
Smart retry logic
Optimal call windows
02
Promise-to-Pay Tracking That Actually Works
Here's where most collections operations hemorrhage money: after the call. A commitment made by a borrower lives in an agent's notes maybe a CRM field. If the date passes with no payment, someone might notice. Eventually. Convin closes that gap automatically.
Exact commitment logging
Pre-deadline nudges
Breach detection
Auto re-queue
Pattern recognition
03
Multichannel Recovery Journeys
Voice alone doesn't recover every account. Convin coordinates across channels not as separate tools, but as a single recovery journey per account. Each account follows a path that adapts based on what's working. Not a fixed sequence. Not the same drip for every borrower.
Voice + SMS + WhatsApp
Payment link delivery
Click & open tracking
Adaptive channel logic
What Changes for Your Operation
Your recovery rate improves not because you hired more agents, but because every account gets the treatment it needs - without anyone having to remember.
The Compliance Layer
You'll Get Asked About
Collections automation without compliance guardrails is a liability. Convin is built for regulated environments guardrails are how the system operates, not an add-on.
DND / NDNC Compliance
Flagged numbers are automatically excluded from all outreach channels.
Calling Hour Restrictions
Respects TRAI and RBI guidelines on permissible contact windows automatically.
Frequency Capping
No borrower gets bombarded. Configurable per portfolio, product, or DPD bucket.
Consent Tracking
Communication consent status logged and maintained per channel for every account.
Call Recording & Transcription
Every AI and human interaction is recorded, transcribed, and fully searchable.
Full Audit Trail
Every decision why this account was called, when, what was said is logged and traceable in seconds.
Built for Indian Lending at Scale
This isn't a Silicon Valley tool adapted for India. It's built ground-up for high-volume Indian lending operations.
60%
of claim-related calls still rely on manual checks.
Impact
Slower TATs, poor claim experience, and escalations.
Fragmented systems
(Voice / WhatsApp / CRM)
Impact
Broken customer journeys, missed context, and declining trust.
Questions Worth Asking
Before every AI collections pitch, there's one question that actually matters: does this tool just dial faster, or does it make better decisions about who to contact, when, and how?
Does this replace my agents?
No. It handles high-volume, early-bucket outreach and follow-ups automatically. Your agents focus on complex negotiations, escalations, and high-value accounts where human judgment matters.
How long does integration take?
Most teams go live within 2–4 weeks. Convin integrates with your existing LMS, CRM, and telephony — no rip-and-replace required.
What about call quality in regional languages?
Convin's voice AI is trained on Indian language patterns and accents. It handles natural conversations — not robotic scripts. You can listen to sample calls during the demo.
Can I configure different strategies for different DPD buckets?
Yes. Early-stage gentle reminders, mid-stage structured follow-ups, late-stage escalation paths — all configurable per DPD bucket, loan product, or portfolio segment.
Is this RBI / TRAI compliant?
Convin enforces calling hour restrictions, DND compliance, frequency caps, and full audit trails by default. Not as an add-on — it's how the system operates.
What if the borrower needs to talk to a human?
AI detects when a conversation requires human intervention — disputes, emotional distress, complex negotiations — and transfers to a live agent with full context of what's already been discussed.
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