Zoice calls borrowers at their best time to call, reminds them empathetically in 10+ Indian languages, sends the payment link on WhatsApp, and records the promise-to-pay — at a scale no calling floor can match.
EMI reminder in Hindi, link on WhatsApp
नमस्ते शर्मा जी, मैं आपके लोन प्रोवाइडर की वर्चुअल असिस्टेंट बोल रही हूँ। आपकी ₹4,250 की EMI 15 जून को due है — बस याद दिलाने के लिए कॉल किया है।
हाँ पता है, पर इस महीने थोड़ी दिक्कत है — सैलरी लेट है।
कोई बात नहीं, समझ सकती हूँ। क्या सैलरी आने के बाद 18 जून तक payment हो पाएगी?
हाँ, 18 तक पक्का कर दूँगा।
बहुत बढ़िया। मैंने 18 जून का promise-to-pay नोट कर लिया है — payment link अभी आपके WhatsApp पर भेज रही हूँ। धन्यवाद!
If the payment doesn't arrive, a follow-up sequence schedules the next voice reminder automatically.
The work is repetitive, the tone is delicate, and the timing is everything.
Hundreds of identical reminder calls a day grind down your best people — attrition on collection floors is among the highest anywhere.
Aggressive scripts trigger complaints, regulatory scrutiny, and borrowers who stop answering altogether.
A reminder during work hours gets a hang-up. The same call at the right time gets a payment date.
A verbal "next week, definitely" that nobody logs or follows up on is worth exactly nothing.
From due-date file to tracked promise-to-pay, automatically.
Import the portfolio as a CSV and launch the campaign. Best-time-to-call scheduling reaches each borrower when they actually answer — not in one mid-morning blast.
The agent reminds, listens, and negotiates a realistic date in the borrower's own language — then drops the payment link on WhatsApp while the call is still warm.
Amount and date are extracted and tracked as objectives. If the money doesn't arrive, the voice → WhatsApp → voice sequence follows up automatically.
Disputes and distress transfer via transfer_agent, and supervisors on the live console can whisper guidance or take the call over.
Six capabilities that lift recovery without lifting the pressure.
CSV import plus per-borrower call scheduling lifts right-party contact without extra dial attempts.
Reminder, payment link, and follow-up run as one automated sequence until the EMI is paid or the case escalates.
Committed amount and date are captured as structured fields and tracked to completion — every PTP gets a follow-up.
The agent remembers last month's conversation — the missed promise, the salary date — and adjusts its approach.
DPDP-ready consent at call start and automatic masking of financial details keep regulated calling clean.
Supervisors watch sensitive calls live, whisper to the AI, or take over before a situation escalates.
17%
improvement in collection rates
Empathetic reminders, instant payment links, and tracked promises-to-pay — across your whole portfolio.