Score every account
The moment your portfolio comes in, we enrich borrower profiles with DPD, payment history, behavioral signals, language, and best contact time.
Solutions
AI-led Digital Collections
A fully managed digital collections operation built on borrower intelligence and empathy. We run WhatsApp, SMS, IVR, RCS, AI chat, and Voice AI across your portfolio from launch.
Outcomes
Full-stack
digital and AI outreach across your portfolio
5
channels running from one borrower context
3 days
to go live after portfolio handoff
Built for banks, NBFCs, fintechs, and high-volume lending portfolios.
Our approach
Every portfolio is different. Every borrower is different. We figure out who needs what and act on it.
Most lenders blanket their portfolio with telecalling from day one. It is expensive, operationally intensive, and treats every borrower the same. We start by scoring every account, then run the right digital and AI intervention.
Digital outreach begins
Low-risk and pre-due borrowers get lender-approved WhatsApp, SMS, RCS, and IVR outreach with payment links included.
AI works in tandem
Borrowers who need follow-up get AI chat or Voice AI based on context. It handles PTPs, objections, and payment links.
How it works
How AI-led digital collections runs
Portfolio intake and enrichment
- We take your portfolio and enrich every account with borrower and payment signals.
- Language, risk, behavior, and best contact time inform the first action.
Risk-led segmentation
- Every borrower is assigned a risk tier at the start of each cycle.
- The logic adjusts in real time as borrowers respond or do not respond.
Multi-channel campaigns
- WhatsApp, SMS, RCS, IVR, AI chat, and Voice AI run from the same borrower context.
- Every response updates the borrower profile and informs the next interaction.
Compliant templates
- We draft every template and get your team's approval before anything goes live.
- Campaigns follow RBI's Fair Practices Code, DLT rules, and TRAI requirements.
AI handoff
- When AI chat or Voice AI cannot resolve a case, it escalates with full interaction history and borrower context.
- Human agents pick up exactly where the AI conversation stopped.
Performance optimization
- We monitor opens, clicks, responses, PTPs, and recoveries across the portfolio.
- Channel decisions improve as more live response data comes in.
Channels
Five channels. One borrower context. Running in parallel.
We do not run channels in a blind sequence. Every response updates the borrower profile and informs the next interaction.
Rich templates with payment buttons, quick replies, and lender-approved messaging inside the app.
SMS
Reaches every device and network, with payment links and timestamped delivery logs.
RCS
Branded rich messaging inside the native messages app, with carousels, payment buttons, and SMS fallback.
IVR
Natural-sounding outbound voice calls with customized menus for each use case and borrower segment.
AI assistance layer
AI Chat and AI Voice
AI chat and Voice AI engage borrowers across text and calls, capture PTPs, send payment links, manage objections, and escalate with context.
AI chat handles borrower replies, reminders, FAQs, and payment-link nudges.
Voice AI runs natural conversations in the borrower's preferred language.
Clean handoff to telecalling with transcript and borrower history.
Why DPDzero
Why lenders use DPDzero for digital collections
Borrower-level decisions
Every channel decision is based on borrower context, risk score, and response behavior.
Managed operation
We do not just provide software. We configure segments, journeys, templates, campaigns, and reporting.
Empathy by design
No threats, harassment, or misleading claims. Every interaction is designed for clear repayment action.
Fast launch
We can go live in 3 days after portfolio handoff, with activity visible from day one.
FAQs
Questions lenders ask us
Short answers on launch, compliance, visibility, and how the operation runs.
Which borrowers get digital outreach vs. AI chat, Voice AI, and telecalling?
Low-risk borrowers go to digital. Medium-risk borrowers who need follow-up get AI chat or Voice AI based on their response pattern. High-risk borrowers, and cases AI cannot resolve, go to telecalling.
Do we have visibility into what messages go out?
Yes. Every template is drafted by us, reviewed by your team, and approved before it is sent. Nothing goes live without sign-off.
Is this compliant with RBI guidelines?
Yes. Templates, call scripts, and campaigns follow RBI's Fair Practices Code. We are DLT registered and TRAI compliant.
What languages does Voice AI support?
Hindi, Tamil, Malayalam, Kannada, Telugu, Marathi, Gujarati, Odia, Punjabi, and Bengali. Voice AI can switch mid-call based on the borrower's response.