Collect every EMI on time, focus effort where it recovers, and keep every human call compliant
Voice AI for loan collections, run end-to-end: the YuVerse stack powers a lender’s collections function across the full EMI-recovery lifecycle — from the reminder that lands before the due date, to a cured account back in good standing — with an AI voice agent for debt collection that dials the whole book while every human agent call stays inside the RBI fair practices code.
Three gaps collections teams face
Roll-rate & early reach
Every EMI that rolls to the next bucket costs many times more to recover. The cheapest rupee is the one that is never missed.
Effort in the wrong place
Chasing every account equally wastes the budget. The win is prioritising by real ability-to-pay, not by who happens to pick up.
Conduct & compliance
One abusive or misleading call breaches the fair-practices code, and a book worked by dozens of agents cannot be audited by sampling.
The challenge
The cheapest EMI to collect is the one that is never missed, but pre-due reminders depend on an overworked tele-calling team and land inconsistently — so accounts that could have stayed current slip into the first bucket.
Where YuVerse fits
YuCamp runs the pre-due reminder cycle as a set-and-walk-away journey — each upcoming due date triggers a reminder, each non-responder escalates across WhatsApp, voice and SMS on schedule. YuChat delivers the reminder with an in-chat pay link; YuVin sends a short, non-threatening video showing exactly what is due and how to pay in one tap.
WhatsApp · YuCamp reminder node
SampleThe challenge
A small tele-calling team cannot reach a delinquent book of thousands every day — so accounts age untouched, and recovery odds fall with every day the borrower is not contacted.
Where YuVerse fits
As an AI voice agent for debt collection, YuVoice dials the entire book 24/7 in the borrower’s own language, confirms right-party contact, states the amount and days past due (DPD, the standard delinquency measure in lending), and captures the outcome on every call — then re-dials no-answers on a schedule. YuChat catches borrower replies in one shared inbox so a promise-to-pay is never missed.
YuVoice · AI call · Hindi/English
Sample"Hello, am I speaking with {{first_name}}? Your EMI is {{dpd}} days past due. I can help you clear it right now or set up a convenient date — which works for you?"
The challenge
A borrower answers once, promises to pay, and then goes quiet — and the broken promise-to-pay (PTP) is where early-bucket accounts roll into the hard buckets and drive personal-loan NPA trends in India.
Where YuVerse fits
YuChat runs a promise-to-pay flow on WhatsApp with a part-payment option and an in-chat pay link. Described in plain language, YuCamp’s AI builds and runs the follow-up as a disposition-driven journey — every broken promise routes to the next best nudge across WhatsApp, voice and SMS on a cron schedule, self-optimising from AI insight cards. YuVoice makes the patient, consistent reminder calls; YuVin sends a personalised video laying out exactly what is owed and the easiest ways to clear it.
YuVin · personalised video
Sample"{{first_name}}, your EMI is {{dpd}} days past due — here is exactly what you owe, and the easiest ways to clear it, including a part-payment plan you can start today…"
The challenge
Every delinquent account gets the same treatment, so the team over-works borrowers who genuinely cannot pay this month and under-works the ones who can — and the recovery budget is spent in the wrong place.
Where YuVerse fits
YuALT scores repayment propensity in under a second from 200+ alternative-data signals, ranking the book by who is most likely to recover. BSA reads the borrower’s bank statements as bank-issued proof of real ability-to-pay, separating genuine cash-flow stress from avoidance. YuSight compiles the full borrower 360 in hours for higher-ticket and restructure cases, triangulating income, obligations and red flags. YuAccess verifies income and restructure documents in about four seconds.
YuALT + BSA · before vs. after
SampleBefore · After
Before
Every account gets the same call cycle, and the team burns effort on borrowers who cannot pay.
After
Real ability-to-pay scored from the statement in minutes, so the book is prioritised by who will actually recover.
The challenge
A repayment or restructure is agreed on a call and then stalls on paperwork — the restructure letter, the revised schedule, the payment proof — and one mismatch or missing document reopens the case.
Where YuVerse fits
YuAccess reads 150+ document types, auto-builds the validation checks, and cross-matches every field across the restructure letter, KYC and payment proof so the file tells one consistent story — flagging anything missing, mismatched or tampered. YuChat collects the payment via in-chat UPI and shares the revised schedule in the same thread; YuVoice confirms the terms and schedules the instalments.
WhatsApp · in-chat restructure
SampleThe challenge
A cured account slips straight back into delinquency because nobody keeps it warm, and a borrower who cleared once feels chased rather than helped and takes their next loan elsewhere.
Where YuVerse fits
YuCamp runs the post-cure cadence as a scheduled journey — each upcoming due date triggers a proactive reminder, any early miss escalates before it rolls back. YuVin sends a personalised, encouraging video on how the borrower’s credit score recovers now that they are regular. YuChat handles queries with in-chat payments; YuVoice runs CSAT and re-engagement calls to keep the relationship intact.
WhatsApp · YuCamp post-cure node
SampleEvery human collections call, scored for conduct and compliance
Collections lives and dies by conduct. A single abusive, misleading or out-of-hours call breaches the RBI fair practices code for collections and the RBI digital lending guidelines on recovery agents, inviting regulatory action, and a book worked by dozens of human agents cannot be policed by listening to a random sample. Whenever a human agent talks to a borrower, YuCI scores 100% of those conversationsacross 100+ languages on 25+ metrics: flagging harassment, false threats, unauthorised commitments and disclosure gaps the moment they happen, coaching each agent on what the top recoverers do differently, and summarising every call in under two seconds. It’s the compliance layer over the entire human collections floor, while YuVoice automates the outbound reach.
Why the suite wins together
The hand-offs are the whole story. Follow one borrower who missed this month’s EMI. YuCamp and YuVin remind them before the due date so most accounts never miss at all, and when one does, YuVoice dials the whole book to make right-party contact a small team never could. YuChat and YuCamp turn that contact into a promise-to-pay that holds, escalating every broken promise on schedule. At the decision that saves the budget, YuALT ranks the book by propensity in under a second, BSA reads the bank statement as proof of real ability-to-pay, YuSight builds a full borrower 360 for the restructure cases, and YuAccess verifies income documents in seconds — so effort goes where it recovers instead of chasing borrowers who cannot pay. YuAccess, YuChat and YuVoice close the arrears on a clean repayment plan with the schedule shared in-chat, and after that YuCamp keeps the cured account from rolling back while a YuVin video helps the borrower rebuild — all while YuCI audits every human agent call for conduct and compliance the whole way through. One connected stack, from the first reminder to a cured account that stays current.
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