Collections that stay human, in every language.
The hardest conversation in your business is the one about money somebody does not have. Firm on the amount, gentle with the person. Agni holds that line on the four hundredth call of the shift exactly as it did on the first, in Hindi, in Tamil, in Emirati Arabic, in whatever language the account was opened in.
Four things decide your recovery rate. Three of them are people problems.
You do not have a dialer problem. You have a right-party-contact problem, and underneath it a language problem. The account was opened in one language and is being chased in another, so the borrower who could have agreed to a plan simply stops picking up. Nobody records that as a language failure. It gets recorded as a skip.
Then there is the floor itself. Collections is the highest-attrition seat in the bank, and every exit resets tone, script discipline, and compliance behaviour to zero. One agent is warm at 9am and short by 4pm. Another improvises a settlement nobody approved. You find out in the 2% of calls you actually QA, weeks later, when the complaint is already written.
*Forward-looking figures, pending verification in the claims audit, and dependent on the deployment scope agreed in your workshop. Coverage of any specific language pair on your book is confirmed during design, not assumed here.
Six verbs, on every account, every single day.
Not a bot that reads a script. A recovery agent that works your book inside your rules, and hands you the call the moment a human should take it.
Pre-due reminders and post-due outreach across the whole portfolio, in the language on the account, at the hour that market actually answers the phone.
Part payment, promise-to-pay capture, settlement ladders you define. The agent never invents a discount it was not given and never moves a date it cannot move.
Hardship, dispute, bereavement, and vulnerability signals go straight to a named human with the transcript and the sentiment already attached. No repeating the story.
Every call recorded, transcribed, timestamped, and written back to your collections system as a structured outcome, not a free-text note somebody has to read.
The same tone at 4pm as at 9am. No fatigue, no shortcut, no bad day, no agent deciding today is the day to lean on somebody.
When the conversation gets personal, people go home to their first language. Agni goes with them, in the same breath, without asking them to repeat it.
The second it gets personal, the language changes.
It happens on nearly every hard call. The borrower has been managing in English, then the real reason arrives and they fall back into the language they think in. A pipeline stack hears noise and asks them to repeat themselves. That is the moment you lose the plan.
It speaks the language. Agni speaks the place. Same call, same breath, and the register softens because the situation changed, not because a flag was set.
It has to live inside the stack you already run.
Read this section as a list of systems we connect to. It is not a customer list, not a partner list, and not an endorsement. If a platform matters to your recovery operation and it is not here, ask us in the workshop.
In-house collections platforms and carrier SIP trunking are handled as scoped integration work in the design week. We confirm what connects, and how deeply, before anyone signs.
Named connector list in verificationAligned to local collections regulation, with audit trails on every call. We do not claim FDCPA or TCPA compliance, and you should be sceptical of any non-US vendor that does. We build to the collections rules of the market you are actually calling into: permitted contact hours, disclosure wording, consent and do-not-call handling, and the dispute and escalation paths your regulator expects.
Every call carries a recording, a transcript, and a timestamped audit trail, so what was said is a matter of record rather than a matter of memory. Your compliance team signs off the script and the guardrails before a single live account is dialled.
ATTESTATION EVIDENCE PENDINGAll product and company names are the trademarks of their respective owners. Naming a system category here indicates an integration target only and implies no relationship, endorsement, certification, or partnership. Integration availability and depth are confirmed per deployment.
Before you believe us, do the arithmetic.
Book size, buckets, current contact rate, cost per seat, and the languages you are missing. The BFSI calculator gives you a realistic year one in about ninety seconds, in your currency, with the assumptions visible so your CFO can argue with them.
No email wall before the number. Change an assumption, watch the result move, then take the print-out into your own committee.
*All commercial figures are indicative and pending final confirmation. Calculator output is an estimate built from the assumptions you enter, not a quotation and not a forecast of your result.
Design, deploy, operate. Under eight weeks.*
No pilot that lives forever. A dated path from first workshop to live accounts, with a named engineer who stays after go-live.
We sit with your collections and compliance leads. Bucket strategy, permitted contact windows, disclosure wording, escalation triggers, and the exact languages and city registers on your book. We measure your current right-party-contact rate so there is a real baseline to beat. Output is a signed script and guardrail set, not a slide.
Integration into your collections platform and telephony, voice and dialect tuning against real recordings, then a controlled ramp on a carved-out segment of the book. Your QA team scores the calls before volume moves. Nothing scales until they sign it off.
Live on the book, with a named engineer, a weekly review of outcomes by bucket and by language, and script changes shipped in days. Every call is transcribed and audit-logged, so quality is something you read rather than something you hope for.
*Under eight weeks to production is a forward-looking platform figure, pending verification, and depends on integration complexity and the scope agreed in your workshop.
A recovery book in 14 languages, run by voice.
A top-tier carrier moved its collections calling to Agni. Same book, same regulations, same disclosure obligations. What changed was the cost per contact and the fact that quality stopped depending on which agent happened to pick up the account.
The operator is not named here. Reference rights are part of the claims audit, and we do not put a client on a website before they have said yes in writing.
Operator name and figures in claims audit*Forward-looking and deployment-specific. These figures reflect a single deployment, are pending verification in the claims audit, and are not a prediction of your result. Outcomes depend on volume, book quality, market, and regulation.
The six questions every collections head asks.
It is aligned to local collections regulation, with audit trails on every call. We deliberately do not claim FDCPA or TCPA compliance: those are United States frameworks and we are not a US-only vendor. What we do is build to the rules of the market you are calling into, permitted contact hours, mandatory disclosures, consent and do-not-call handling, dispute and hardship routing, and record every call with a transcript and timestamp so your compliance team can evidence what was actually said. Your legal and compliance leads sign off the script and the guardrails in week 1, before any live account is dialled.
It stops collecting and starts listening. Hardship, dispute, bereavement, and vulnerability signals are escalation triggers you define in design, and when one fires the call routes to a named human with the transcript and sentiment already attached. The person does not repeat their story. If no human is available in that moment, the agent takes a callback commitment and flags the account, it does not keep pushing for a payment.
It negotiates inside a boundary you set. Part payments, promise-to-pay dates, and settlement ladders are all configurable, and within those limits it will find the arrangement the borrower can hold to. What it will never do is invent a discount, waive a fee, or move a date outside the authority you gave it. Anything beyond the boundary becomes an escalation, not an improvisation.
We confirm your specific list in week 1 rather than asserting it here. The platform position is 50+ languages and 200+ dialects, localized to the level of the city, and every number on this page is pending verification in our claims audit. What matters for a recovery book is register, not just language: Mumbai Hindi is not Delhi Hindi, and Emirati Arabic is not Egyptian Arabic. Bring us a sample of your calls and we will tell you honestly which registers are production-ready today and which need tuning.
In the region you require. Data residency is part of the deployment design, not an add-on, and it is one of the reasons we deploy inside your enterprise rather than handing you a shared public endpoint. Recordings, transcripts, and structured outcomes can be written back into your systems and retained on your retention schedule. We hold SOC 2 as part of the platform posture, and the specifics of storage, retention, and access are agreed in the design sprint with your security team.
The path we run is design in weeks 1 to 2, deploy in weeks 3 to 6, and operate from week 7, with under eight weeks to production as the target. That target is forward-looking and pending verification, and it moves with integration complexity, with how quickly your compliance sign-off lands, and with how many language registers need tuning. We would rather tell you week 11 in the workshop than promise week 6 and miss it.
If your book is small enough that two experienced agents handle it comfortably, the arithmetic will not work and we will tell you so in the workshop. If your entire portfolio is single-language and English-only, you are paying for a dialect engine you do not need, and a cheaper generic vendor is the honest answer. If you want a system that will pressure people, imply legal consequences it cannot deliver, or call outside permitted hours, we are the wrong supplier and we will decline the work. And if your collections platform cannot expose an API or a secure batch feed at all, fix that first: voice on top of a system it cannot write back to is theatre, not recovery.
One recovery call. The borrower drops into their first language when the real reason arrives, and the agent goes with them without missing a beat.
Watch the demo →Buckets, contact rate, cost per seat, languages missing. The BFSI calculator gives you a defensible number in ninety seconds, in your currency.
Run the BFSI calculator →Ninety minutes. Bring your collections head and your compliance lead. We call a test account live, in your market's dialect, then plan the deployment.
Book a workshop →