Lending use case
30 to 90 DPD soft collections with Voice AI
30 to 90 DPD is where most lenders bleed money on collections costs while customer NPS plummets. Vrikshavoice agents handle the volume with measured empathy, capture promise to pay commitments, and triage hardship cases to your human team.
57%
Calls fully resolved by AI
32%
Promise to pay capture rate
+8 NPS
Customer experience uplift
The playbook
How 30 to 90 dpd soft collections works on Vrikshavoice
- 130 DPD soft reminder with empathy first opener
- 245 DPD financial check in and restructuring offer
- 360 DPD escalation framing with consequences
- 475 DPD transfer to human collections agent
- 590 DPD legal notice triggered through workflow integration
Sample call
Lending
Hi Suresh, I am calling about your loan that is now 35 days overdue. Is there something I can help with?
I lost my job last month, give me two more weeks.
I am sorry to hear that. Let me connect you to our restructuring team to discuss options.
Built for Lending and NBFCs
DPDP compliant call recording and consent capture
12 plus Indian languages including Hinglish and Tanglish
Hot transfer to live agents on intent detection
Audit ready logs for RBI inspections
Common questions
FAQ on 30 to 90 dpd soft collections
Vrikshavoice agents are conversational, empathetic, and fully bidirectional. They listen, paraphrase, ask follow up questions, and adapt tone based on borrower mood.
See 30 to 90 dpd soft collections in action
Book a 30 minute demo. We will run a live lending script and show the dashboard your team would use.
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