All agent desksID: COL · STAGE 2: SHIP
Retail Collections·Head, Collections·7 Tools·7 Connectors
Collections Companion
Pre-due and early-bucket outreach in the borrower's language, policy-bound restructuring offers, payment links, promise-to-pay tracking.
Operational ROI:18% fewer bucket-1 roll-forwards
Shadow PilotStage: SHIP
Daily VolumeToday
8,940
accounts contacted handledAudit Concurrence30 days
91.7%
Human-AI alignment rateCapacity Returned7 days
612h
Staff hours freed this weekSign-off QueueReal-time
1items
Oldest due 1 dayHow it works: Autonomous Execution Pipeline
8 nodes · 3 core banking connectors · 1 AI checkpointsTriggerSystem callAI Model stepDecision gateHuman sign-offResolvedEscalation
Autonomous DAG PipelineAudited Step-by-Step Pipeline Sequence
01
Overdue triggerLoan account
LMS
02
Loan accountBureau check
CIBIL
03
Bureau checkDraft message
AI Agent
04
Draft messageSend WhatsApp
WhatsApp
05
Send WhatsAppPTP or escalate?
06
PTP or escalate?Log PTP
PTP
07
PTP or escalate?Manager sign-off
Escalate
Tools & Deterministic Capabilities
Every tool is sandbox-isolated and bound by audit policies| Tool Function | Capability & Operational Mandate | Target Connector | Execution Policy |
|---|---|---|---|
| get_loan_account() | Retrieves loan account details including DPD, EMI schedule, and repayment history | LLMS Core | Auto-execute |
| get_bureau_snapshot() | Pulls the latest credit bureau score and summary from CIBIL/CRIF | CCIBIL Bureau | Auto-execute |
| get_policy_options() | Fetches available restructuring options based on product policy and borrower profile | LLMS Core | Auto-execute |
| send_whatsapp() | Sends a template-based WhatsApp message in the borrower's language | WWhatsApp API | Sign-off Bound |
| place_call() | Places an outbound voice call through Exotel with call recording | VVoice Stream | Auto-execute |
| create_payment_link() | Generates a Razorpay UPI/card payment link for the overdue amount | RRazorpay | Sign-off Bound |
| log_ptp() | Records a promise-to-pay commitment with date and amount in the CRM | CRCRM Ticket | Auto-execute |
Connected Core Systems & APIs
Direct integrations providing live data and execution railsLLoan management system
ConnectedLoan accounts, DPD buckets, EMI schedules and repayment history.
RESTRead
CCredit bureau (CIBIL)
ConnectedConsumer and commercial bureau reports.
RESTRead
WWhatsApp Business
ConnectedTwo-way messaging in 11 languages, template-bound for outbound.
CloudSend approved templates
VVoice (Exotel)
ConnectedOutbound and inbound calls for the voice agent, recorded.
RESTPlace calls
RPayment links (Razorpay)
ConnectedUPI and card payment links for collections, with payment webhooks.
RESTCreate links
NANACH / UPI Autopay mandates
ConnectedMandate status and presentation results for EMIs.
NPCIRead
CRCRM & complaints
ConnectedComplaint intake and ticket updates, including RBI CMS references.
RESTRead
Autonomy & Permission Boundaries
Read DataAccess customer records, historical balances, and KYC documents
AutonomousDraft DocumentsSynthesize STRs, sanction notes, customer replies, and audit memos
AutonomousPropose DecisionsFormulate reversal proposals, credit approvals, and settlement offers
AutonomousExecute on CoreMove funds, post GL entries, update CBS, and file statutory reports
Pilot onlyModel Evaluation & Gate Profile
Precision Score88%
Misses / False Positives2 flagged
Production Gate PolicyNo complaint from agent contact