KollectEzy - AI-First Debt Collections & Recovery Platform

Collect More.
Spend Less. Stay Compliant.

KollectEzy blends AI, automation, and analytics into one debt collections platform - so NBFCs, lenders, and collection agencies recover faster, cut cost-to-collect, and pass every RBI and DPDP audit.

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RBI Fair Practices Code Aligned DPDP Act 2023 Ready TRAI 1600-series Compliant
Live Portfolio ViewReal-time Updates
₹4.2 Cr
Recovered this month
+31%
Collection rate lift
Rahul M. - EMI bounce, Vehicle loanHigh Propensity
Priya S. - 45 DPD, Personal loanMedium Propensity
Suresh K. - 90+ DPD, MSME loanField Visit Triggered
Built for India's collections ecosystem:
NBFCsHousing FinanceVehicle & Auto LoansMicrofinanceMSME LendingCollection AgenciesFintech Lenders
The Platform

One platform. Three forces working together.

AI decides who to contact and how. Automation executes it across every channel, instantly. Analytics proves what's working - so every recovery cycle gets sharper.

AI Engine

Purpose-built for collections - not generic customer service AI.

Propensity-to-pay scoring on every account, refreshed daily
Next-best-action & next-best-channel per borrower
Multilingual voice & chat AI for self-service payment
Real-time call sentiment & compliance-risk detection
Behavioral dunning - message tone and timing personalized

Automation

Every recommendation from AI gets executed without manual handoffs.

Omnichannel outreach orchestration - voice, SMS, WhatsApp, email
Automated case assignment & field agent work allocation
Digital payment capture with auto-reconciliation
Built-in compliance guardrails - calling-hour limits & caps
Automated escalation from digital to field to legal track

Analytics

Every decision, channel, and agent measured - nothing is a guess.

Live recovery-rate, vintage & roll-rate dashboards
Agent and field-team performance scorecards
Portfolio segmentation & risk-bucket analytics
Forecasting for collections targets vs. actuals
Audit-ready compliance reporting, exportable on demand
Outcomes For Collections Organizations

What AI-first collections platforms deliver

Independent industry research on AI and automation in debt collection points to consistent gains across recovery, cost, and compliance.

10–31%
Collection rate lift
vs. traditional collections
40–60%
Lower cost-to-collect
through AI automation
~80%
Predictive accuracy
forecasting repayment
136%
Average 3-year ROI
3–6 month payback
MetricTypical ImpactDriver
Recovery rate on early-stage debt40–60%Full omnichannel orchestration vs. 5–15% on single-channel voice outreach
Right-party contact rateUp to 7×AI-personalized outreach vs. mass, undifferentiated campaigns
Recovery lift from next-best-action+15%AI-recommended action + channel, combined with omnichannel execution
Cost per contact-40% to -75%Voice AI and digital-first outreach replacing manual dialing
Customer satisfaction (CSAT)Up to +30%Empathetic, behaviorally-timed AI communication vs. blanket dunning
Built for Indian Regulatory Reality

Compliance isn't a module. It's the architecture.

RBI Fair Practices Code, hard-codedCalling-hour enforcement, per-borrower consent verification, and contact-frequency caps applied automatically.
RBI Digital Lending Directions 2025 alignedCovers recovery of digitally originated loans with full recovery-agent conduct tracking.
DPDP Act 2023 readyConsent capture, purpose limitation, and data-retention controls built into every interaction.
TRAI 1600-series calling identityVoice outreach routed through registered financial-sector numbering.
Audit-ready by defaultEvery visit, call, message, and payment logged with a timestamped, exportable trail.
Why This Matters Now

The compliance bar for AI collections just moved.

RBI issued 147 regulatory circulars on digital lending and collections practices between 2022–2025, with penalties on non-compliant NBFCs.

Compliance officers preferring AI over human-only call centers:78%
India digital lending disbursals (2025):₹1.5L+ Cr
The Shift

Traditional Collections vs. KollectEzy

DimensionTraditional CollectionsKollectEzy
Account PrioritizationManual, agent judgment or FIFOAI propensity-to-pay scoring, refreshed daily
Outreach ChannelsVoice-only or manual WhatsAppOrchestrated voice, SMS, WhatsApp, email, app
Compliance EnforcementRelies on agent disciplineHard-coded guardrails, automatic
Payment ReconciliationManual ledger entry, delayedAutomatic, real-time digital capture
Field Agent TrackingPaper registers, manual groupsGPS-verified, real-time visit logs

See what AI-first collections looks like on your portfolio.

Book a 30-minute walkthrough - bring a sample of delinquent accounts and we'll show live propensity scoring in the demo.

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