Voice AI for BFSI Collections — B1-B3 Cut collection costs 60%, without losing the human touch.

Outbound voice AI for bucket-1 to bucket-3 collections in English, Hindi, 12 more Indian languages, Mandarin, Bahasa, plus major global tongues. Captures payment promise, sends WhatsApp payment link in-call, updates CRM. Disputes warm-transfer to a human on chat, voice, or video for KYC verification. TRAI DND + RBI compliant. On-prem available for tier-1 banks.

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Built for banks, NBFCs, and SFBs: early- through late-stage collections in English, Hindi, 12 more Indian languages, plus major global tongues.
60% lower cost per contact
3× pickup vs unknown agent
75-85% bot containment in B1-B2
13 Indian languages

Three Numbers That Decide It

Cost

60% lower cost per contact

Dialer + agent costs ~5x more per connected contact than EnableX voice AI. The bot handles 75-85% of conversations end-to-end; only disputes go to a human.

Pickup

3x more pickups

Customers who don't pick up for an unknown agent often pick up for a friendly voice in their own language. Connection + answer rates lift 2-3x.

NPA

40% fewer NPAs

D-3 / D-1 reminder calls + auto-debit recovery before the customer slips into bucket-2 cuts NPA progression measurably.

How a Collection Campaign Actually Runs on EnableX

Setup

Upload list. Segment by bucket. Pick calling window.

Upload CSV, connect your CRM (Salesforce, MS Dynamics, custom), or stream from your collections engine (Finacle, BaNCS, FIS). Segment by bucket, by region, by language. Pick the RBI-compliant calling window per region. The campaign is live in minutes.

  • CSV / REST / webhook / CRM connector
  • Per-bucket segmentation + scripts
  • RBI calling-window enforcement
  • Per-language assignment
Dialer

Voicemail detection. TRAI DND check. Smart retries.

Every call checks TRAI DND list before dialing. Voicemail detection prevents wasted spend on unanswered calls. Smart retries follow your bucket-specific rules: typically 3 attempts/day max, with regulator-required gap.

  • TRAI DND check before every call
  • Voicemail detection, no wasted spend
  • Carrier-aware pacing
  • Per-bucket retry rules
Talk

The bot has the conversation. In the customer's language.

Sub-2-second response. Hindi-English code-switching native. Captures intent: pay now, partial pay, dispute, callback, payment difficulty. Sends WhatsApp payment link in-call. Logs payment promise to CRM in real time.

  • English, Hindi, plus 12 more Indian languages, with native Hindi-English code-switching
  • Knows the customer (CRM + history pre-loaded)
  • Sends WhatsApp payment link during the call
  • Logs structured outcome (promise / dispute / callback)
The EnableX Difference

Disputes warm-transfer to a human. With KYC video if needed.

Customer disputes the amount? Warm transfer to a human collections officer on chat or voice, with full conversation context already loaded. If the dispute requires identity verification, escalate to a video call with the KYC team. Customer never repeats themselves.

  • Warm transfer for disputes (chat / voice)
  • Video escalation for KYC verification
  • CRM updated with full call context
  • Audit trail for regulator review
See the handoff in action

Buckets Supported, End to End

Pre-due

D-3 / D-1 reminders

Friendly nudge before the EMI is due. Auto-debit confirmation. Failed-debit recovery in real time.

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B1 (D+1 to D+30)

Bucket-1 collections

Soft collection script. Payment promise. WhatsApp payment link in-call. Highest containment rate.

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B2 (D+31 to D+60)

Bucket-2 collections

Firmer script. Partial-payment options. Settlement-eligibility flagging. Higher escalation rate.

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B3 (D+61 to D+90)

Bucket-3 collections

Pre-NPA escalation flow. Settlement offers. Frequent escalation to a human collections officer.

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Post-90

Legal pre-notice

Compliance-vetted scripts for pre-legal notice calling. Audit trail for every call. On-prem option.

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Settlement

Settlement / restructuring

Outbound calls to settled accounts to confirm terms, schedule payment plan, escalate to relationship manager.

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The EnableX Difference

Human Handoff (incl. video)

Bot → live agent → video KYC for dispute resolution.

Handoff
Pro Services

Custom collections build

Don't want to build it yourself? Pro Services delivers a B1-B3 collections agent in 8-12 weeks.

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FAQ — Voice AI for Collections

A traditional dialer-plus-agent setup costs roughly 5x more per contact than EnableX outbound voice AI. The bot handles the first conversation end-to-end: captures payment promise, sends WhatsApp payment link, updates CRM. Only 15-25% of contacts need a human (disputes, complex requests). Net cost per contact drops 60%.

Bucket-1 (D+1 to D+30 days past due), Bucket-2 (31-60 days), and Bucket-3 (61-90 days). Pre-due reminders (D-3 / D-1) and post-90-day cases also supported. Each bucket has different scripts, escalation rules, and compliance requirements built into the EnableX platform.

Yes. EnableX enforces TRAI DND list checks before every call, RBI calling-window restrictions (typically 9am-6pm), max-attempts limits per customer, and opt-out handling. All call recordings retained per your policy. Audit trails for regulator review built in.

Yes. English, Hindi, plus 12 more Indian languages (Tamil, Telugu, Bengali, Marathi, Gujarati, Kannada, Malayalam, Punjabi, Odia, Assamese, Urdu), plus Mandarin, Bahasa, Arabic, and major global tongues. Hinglish code-switching native. The bot detects the customer's language in 1-2 seconds and continues in it.

When the customer disputes the amount, the bot warm-transfers to a human collections officer on chat, voice, or video, with the full call context, sentiment, and customer record already loaded. For high-value disputes requiring identity verification, video escalation in one click.

Cloud: 4-6 weeks for a single bucket (bucket-1 typically first). Full B1-B3 deployment with CRM + collections-engine integration: 8-12 weeks. On-premise adds 2-4 weeks for security review.

See EnableX in action.

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