Flagship use case
From cold lead to closed collection. Nine touchpoints, one agent.
Ten contacts per loan account per year — and the cost of not calling is measurable to the rupee. This is the sequence we automate.
The nine-step journey
Nine steps, one record.
One agent, cold list through to early-bucket recovery. Nothing handed between vendors.
| # | Step | What the agent does | Layers |
|---|---|---|---|
| 01 | Lead generation | Income band, employment, loan intent. | Voice + Dialer |
| 02 | Lead qualification | Rules applied live; pre-approved routing on the same call. | Voice + CRM |
| 03 | Credit evaluation | Bureau consent, score check, offer construction. | Voice + CRM |
| 04 | Onboarding | Application capture, consent logging, document checklist. | Voice + CRM |
| 05 | e-KYC | Aadhaar or PAN, OTP and selfie capture. | Voice + WhatsApp |
| 06 | e-Mandate | NACH or UPI auto-debit, completed on the call. | Voice + Dialer |
| 07 | Disbursement | Credit confirmed, EMI schedule set. | Voice |
| 08 | Servicing | Pre-due reminders, EMI queries, foreclosure quotes. | Full stack |
| 09 | Collections | 0–30 and 30–90 DPD, with clean human escalation. | Full stack |
Hear it
A lead qualified, and a bucket held.
Two calls from opposite ends of the same journey.
Pre-approved loan offer, appointment booked
Press play. This is a real VoxIndia call.
0:00 / 1:08
English translation
—agentHello, I am Ruhi speaking from Tata Capital. Because of your good repayment record, we have a special offer for you — a pre-qualified loan ranging from ₹50,000 to ₹1,00,000. Am I speaking with Nutan ji?
callerYes, ma’am.
agentSo as I mentioned, a pre-qualified loan from ₹50,000 to ₹1,00,000 just for you. Would you like to take this loan?
callerFrom which company, ma’am?
agentOur executives will provide this information to you personally. So, would you like to schedule an appointment?
callerYes, ma’am.
agentGreat! Our field executives will come to your home to complete the entire process. Which day and time would work best for you?
callerMa’am, please send them on Wednesday.
agentOur executive will visit your home on Wednesday. Would you prefer a morning or afternoon time slot?
callerMa’am, send them in the afternoon, around 12:00 PM.
agentOur executive will visit your home on Wednesday at 12:00 PM. Thank you, have a good day. Goodbye!
Appointment booked
Why lending first
The densest conversation surface in India.
Four reasons it was the first sector we built out in full.
Highest contact frequency
Ten touchpoints per account per year.
Clearest ROI arithmetic
Cost per call, connect rate and roll-forward are already measured.
Regulatory intensity is the moat
RBI, TRAI and DPDPA decide who scales. Compliance is the barrier.
Proven at Indian scale
Already running at crore-per-month volumes in Indian BFSI.
What changes on the ground
Five things move, and all five are measured already.
Faster disbursement
e-KYC follow-up runs continuously, not inside shift windows. A file that sat four days closes the same evening.
Lower cost to serve
Routine touchpoints without adding seats. Capacity is elastic, so month-end needs no overtime.
Higher first-EMI success
Mandate confirmed on the call, not left to the borrower. First-EMI bounce is the costliest avoidable event in a book.
Full-book coverage
Every lead called, not the top slice. Speed-to-lead drops from hours to minutes.
One audit trail
One CRM, with consent, calling window and DND on the record. Not three vendors and a spreadsheet.
Compliance
Compliance is not negotiable here.
DND scrub, calling windows and consent capture are hard-coded into the dialer, not left to a script. Every call is logged immutably for regulator review.
A breach halts the campaign automatically. It is the one control with no tolerance band.
Highest-value use case
Pre-approved lending — capture, qualification and e-mandate on one call.