Industry

Lending pipelines that clear before intent cools

Voice AI agents qualify personal loan, gold loan, and credit card leads, chase incomplete KYC, and run RBI-aligned EMI reminders across Hindi, English, Hinglish, and seven more languages.

Book a lending pilot Loan EMI Collections

What you get04

Qualify digital and partner leads before they reach an RM
Resume dropped applications and document collection on the same call
EMI reminders and payment-link facilitation under RBI fair practice code
DPDP consent, TRAI DND scrubbing, and India data residency built in

Higher conversions

3.2x

Lower handling time

90%

Peak connect rate

2–3 wks

Pilot to live

Campaigns

What runs on lending desks every day

Each campaign maps to a real funnel stage — from first contact on a ₹50,000 personal loan lead to a renewal nudge on a performing book.

Lead qualification

Personal loan, gold loan, and credit card leads scored for intent, eligibility, and ticket size before an RM is involved.

Document and KYC completion

Incomplete files are resumed on call — Aadhaar, PAN, income proof — with consent captured and PII redacted on recordings.

EMI reminders

Pre-due and due-date reminders with payment-link facilitation, never coercive language, aligned to RBI fair practice code.

Loan renewal

Propensity-led renewal calls on maturing facilities, with human handoff the moment the customer asks for an RM.

Top-up and cross-sell

Top-up offers and credit card nudges timed to answer-rate windows across metros and tier 2 / tier 3 catchments.

Collections support

Early-bucket payment facilitation and promise-to-pay capture — reminders and options, not pressure tactics.

The operating problem

Digital lead volume outruns the calling floor

Campaign spikes and partner dumps create queues that human capacity cannot clear while intent is still warm. Incomplete KYC and EMI follow-ups then pile up as a second backlog.

Every digital lead called and scored before it reaches a relationship manager
Document chase and consent capture inside the same conversation
Smart retries inside city-level answer-rate windows, not blind redials
Full audit trail across 23 QA parameters for RBI and TRAI review

Gold loan qualification

Language: Hindi
Intent score: High
KYC status: Docs pending
Next action

Going live

From script to production book in weeks

01
Map compliance and talk tracks
We take your best human scripts, objection handling, and RBI fair practice requirements as the baseline.
02
Wire LOS and CRM
Two-way sync so agents read lead status, write outcomes, and trigger payment or doc links automatically.
03
Pilot on live cohorts
A two-to-three-week pilot runs against your current human benchmark on the same lead pools.
04
Scale across products
ROI Optimizer tests voice, script, and timing variants as you expand from one product to the full book.

Outcomes

What lending teams measure after go-live

Conversion lift

Against human baseline

60%

Lower cost per acquisition

85%

Connect on renewal peaks

Lower acquisition cost

NBFC secured lending pilots

Proof

Lending programmes in production

All case studies

BFSI

IIFL Finance

IIFL Finance Achieves 3x Conversions & 3.2x Lower AHT with Voice AI

Higher Conversions

3.2x

Lower AHT

Banking

HDFC Bank

HDFC Bank Drove Growth at 60% Lower Cost with Enterprise Voice AI

85%

Connectivity

25%

Qualification Rate

NBFC

Bathiya Finance

Bathiya Finance Cuts Acquisition Cost by 4x with Rubic Voice AI

1.3x

Lower AHT

1.2x

Higher Connectivity

Security posture

Enterprise-grade security on every conversation

Security is not a feature bolted on later — it is the foundation every Rubic Solution conversation runs on.

Certified and audited

ISO 27001:2022, ISO 9001:2015, and SOC 2 Type II, with annual third-party audits and continuous control monitoring.

DPDP and TRAI aligned

Consent capture, recording retention windows, PII redaction, and DND scrubbing built into the calling layer.

India data residency

Conversations, transcripts, and derived data stay inside Indian data centres with role-based access control.

Clarity first

Frequently asked questions

Talk tracks are limited to reminders, balance information, and payment facilitation. Coercive language is blocked, every call is scored across 23 QA parameters, and consent, recording retention, and DND scrubbing sit in the calling layer.

Run a lending pilot on your live lead book

We benchmark qualification, KYC completion, and EMI reminder campaigns against your current human numbers before any rollout.

Book a demo

93% of Rubic Solution pilots convert into production deployments.