Automate Loan Settlements and Accelerate Recovery
AI-Powered Voice Agents for Debt Recovery
AI-powered voice agents that conduct natural conversations for payment reminders, overdue follow-ups, and recovery interactions.
Key Challenges in Traditional Collections
Debt recovery processes often rely on manual call centers and rigid IVR systems, creating operational inefficiencies.
High Operational Cost
Inefficient Call Campaigns
Poor Borrower Engagement
How Voice Collections Works
Nuacem AI orchestrates the entire settlement journey through automated engagement and negotiation workflows.
Account Prioritization
The platform analyzes overdue accounts based on parameters such as DPD, outstanding balance, and repayment behavior.
AI Voice Outreach
AI voice agents initiate outbound calls to borrowers and conduct natural conversations regarding payment reminders or overdue accounts.
Conversation Handling
Voice agents understand borrower responses in real time and adapt the conversation accordingly.
Payment Link Generation
If the borrower agrees to make a payment, the system automatically sends secure payment links via WhatsApp or SMS during the call.
Real-Time Monitoring
Operations teams can track call performance, borrower responses, and campaign results through centralized dashboards.
What an AI Voice Recovery Workflow Looks Like
Every call is designed to move the borrower toward the next best outcome — payment, Promise-to-Pay, callback, or human escalation.
PTP Captured
Payment Link Sent
Follow-Up Scheduled
Audit Trail Logged
End-to-End Digital Settlement Workflow
Enable borrowers to negotiate, accept settlement offers, and complete payments digitally through secure links, eliminating manual negotiation cycles and accelerating NPA resolution.
Voice Collections Architecture
A single orchestration layer connects voice agents, recovery rules, payment systems, and compliance controls — so every conversation drives a structured collections outcome.
Risk and Prioritization Layer
Ranks accounts using balance, delinquency stage, payment history, and recovery signals.
Voice AI Orchestration Layer
Controls conversation logic, language switching, objection handling, and borrower intent capture.
Policy and Compliance Layer
Applies collections rules, escalation thresholds, consent controls, and approved negotiation boundaries.
Payment and Settlement Layer
Sends payment links, tracks completion, and syncs status to collections and finance systems.
Audit and Reporting Layer
Logs transcripts, call summaries, borrower responses, and campaign outcomes for monitoring and compliance review.
Results That Matter
Measurable Impact
Our finance clients typically achieve:
70%
Faster Settlement Resolution
50%
Less Manual Effort
40%
Higher Recovery Rates
2X
Borrower Engagement
Built for Modern Digital Lending
Nuacem AI enables banks and NBFCs to transform traditional lending operations into fully automated, AI-driven loan origination systems.
Trusted by Leading Financial Institutions
Banks, NBFCs, fintech platforms, brokerages, and asset managers rely on our intelligent engagement and automation solutions to strengthen performance and scale operations securely.
Enterprise-Grade Data Security
Financial institutions operate in highly regulated environments where data protection and privacy are critical.
Encrypted Data Transmission
Secure Document Storage
Role-Based Access Control
Full Audit trails
Start with ICON Today
Smarter decisions, faster operations, and intelligent automation across financial workflows.