Agentic AI Orchestration for Microfinancing
Converiqo automates borrower onboarding, repayment queries, and loan workflows so MFIs focus on financial inclusion, not manual coordination.
Operational friction
Microfinance Companies Need Automation Across Group Loans, Field Operations & EMI Cycles
Remove manual data collection, rural communication gaps, and field agent coordination challenges with a unified agentic workflow layer.
Manual Data Collection & Rural Communication Gaps
Field agents collect borrower data manually, leading to errors and delays. Rural communication gaps make it hard to reach borrowers for updates, reminders, and follow-ups.
KYC & Document Verification Delays
Collecting KYC documents, income proofs, and verification across rural and semi-urban areas causes avoidable delays. Manual follow-ups slow down loan disbursal cycles.
Group Loan Structure Complexity
Managing SHG/JLG groups, member onboarding, group formation, and coordination requires extensive manual effort. Field officers struggle to track group dynamics and member contributions.
Field Agent Coordination & Visibility
Leadership cannot view field agent activities, collection routes, borrower visits, and performance in real-time. Lack of visibility hurts operational efficiency and collection rates.
Repeated Borrower Questions & EMI Cycles
Borrowers repeatedly ask about documentation requirements, meeting schedules, repayment amounts, and loan status. Field staff spend too much time on routine queries instead of collections.
Compliance & Audit Trail Management
Regulatory compliance, audit trails, and documentation checks need precise tracking. Manual processes make it hard to maintain audit-ready records and meet compliance requirements.
Agentic AI Spine for Borrower Onboarding to Collection Microfinance Operations
AI-powered enquiry processing, field agent coordination, borrower communication, loan workflows, and collection management keep head office, branches, and field officers aligned.
Sales / Lead Engine
Capture, qualify, and route borrower enquiries from field campaigns, BC networks, community events, and self-registration with AI-powered intent scoring.
Customer Self-Service
Borrowers get instant answers on required documents, meeting dates, application status, repayment schedules, and FAQs via WhatsApp, SMS, or voice calls.
Field Service Management & Workflow Orchestration
Coordinate field agent visits, track collections, manage group meetings, and automate loan workflows from onboarding to disbursement with real-time visibility.
Growth module
Lead & Sales Engine Automation
Capture, score, and convert every microfinance enquiry with AI-powered qualification and nurture journeys.
Automation Flow
Sales / Lead Engine - Microfinance Enquiry & Application Conversion
Capture microfinance enquiries from website, phone, WhatsApp, and field agents with automatic loan amount, purpose, and borrower profile tagging.
AI-powered qualification based on income verification, credit history, business viability, and repayment capacity.
Automated document collection with mobile-friendly upload portals and real-time verification status.
Follow-ups for loan processing updates, additional information requests, and approval timelines.
Field officers get instant lead allocation, performance dashboards, conversion tracking, and pipeline visibility.
Integration with credit bureaus, local verification systems, and banking APIs for seamless processing.
Automation Flow
Customer Self-Service Loan Info & Application Support
Borrowers access loan products, eligibility checks, application status, and document requirements 24/7 via website widget, WhatsApp, or phone.
AI assistant answers queries instantly: "What loans do I qualify for?", "What documents are needed?", "What is the processing time?", "What are the interest rates?".
Self-service portals show loan options, EMI calculators, application progress, and approval status.
Automated reminders for document submissions, verification updates, and disbursement timelines.
Multi-channel support ensures borrowers get answers on WhatsApp, SMS, web widget, or phone - all unified in one history.
Log tickets for complex loan queries, document issues, and processing concerns with automatic routing.
Automation Flow
Microfinance Operations & Team Coordination
Manage loan applications, field verification, credit assessments, and disbursement processes across multiple regions.
Standardize microfinance workflows for application intake, verification, approval, and disbursement.
Track application progress, document status, verification results, and approval timelines.
Automate borrower notifications, status updates, and follow-up sequences to improve satisfaction.
Centralize borrower data, credit history, and loan information for personalized loan offerings.
Integrate with credit bureaus, banking systems, and regulatory compliance platforms.
Automation Flow
End-to-End Microfinance Processing Orchestration
Connect loan enquiry to application to verification to approval to disbursement to follow-up in one measurable borrower journey.
Auto-trigger tasks when loan applications arrive, documents are submitted, or approvals are granted.
Sync with credit systems, banking APIs, and field verification platforms through secure APIs.
Maintain audit-ready logs for loan applications, verification processes, and borrower communications.
Link borrower satisfaction scores, processing efficiency, and field officer performance to workflow completion.
Collect feedback after loan disbursement and periodic reviews to understand borrower sentiment.
Stakeholder outcomes
Benefits Across HQ, Branches, Field Ops, Collections & Borrowers
Lending, field service, and compliance teams share the same live journey data from enrolment to repayment.
MFI Leadership & Head Office
- Single view of borrower enquiries, group formations, loan disbursements, collections, and field agent activities across all branches.
- Real-time analytics with conversion rates, collection efficiency, field agent productivity, and portfolio health dashboards.
- Improved compliance posture with auditable workflows, complete data trails, and automated regulatory reporting.
Branch Managers & Credit Teams
- Automated workflows for borrower onboarding, group formation, credit appraisal, and disbursement reduce processing time.
- One console for borrower history, documents, tickets, approvals, and collection status boosts operational efficiency.
- Real-time visibility into field agent activities and collection progress enables proactive intervention and support.
Field Agents & BC Networks
- Mobile-ready workflows for field visits, document collection, verification, and collection tracking improve productivity.
- Automated route planning and task assignment ensure field agents cover maximum borrowers efficiently.
- Self-service dashboards show assigned tasks, collection targets, performance metrics, and incentive tracking.
Borrowers & SHG/JLG Groups
- Self-service access to loan information, meeting schedules, repayment details, and application status reduces dependency on field staff.
- Faster responses on documentation requirements, eligibility, and loan status build trust and improve borrower experience.
- Structured ticketing ensures every concern has ownership and a clear resolution path with timely updates.
Collections & Recovery Teams
- Route-level dashboards combine bucket position, promise-to-pay, and group attendance so high-risk cases surface instantly.
- Automated voice, WhatsApp, and agent reminders keep repayment discipline intact without manual spreadsheets.
- Digital receipts, geo-tagged visits, and escalation logs create transparent trails for auditors and regional managers.
Compliance, Audit & Impact Teams
- Policy deviations, exception approvals, and community impact notes live within each workflow for quick evidence packs.
- Automated MIS exports simplify regulator submissions, refinance reporting, and donor updates.
- Field activity, disbursement, and collection data syncs into impact dashboards so leadership can showcase outcomes credibly.
Deployment fit
Works for Every Microfinance Operation
From single-branch MFIs to multi-location NBFC-MFI networks.
NBFC-MFIs & Microfinance Institutions
Manage individual and group lending operations with field agent coordination, collection workflows, and compliance tracking.
Co-operative Credit Societies
Orchestrate member onboarding, loan origination, group formation, and repayment collection with structured workflows.
SHG & JLG Lending Programs
Streamline self-help group and joint liability group formation, member management, and group loan disbursement processes.
Business Correspondent Networks
Coordinate BC agent activities, borrower outreach, document collection, and last-mile financial inclusion operations.
Rural & Semi-Urban Microfinance Operations
Deliver financial services to underserved communities with field-based workflows and multi-channel communication.
Multi-Branch Microfinance Networks
Standardize processes, training, and performance tracking across distributed branches and field operations.
Proof of impact
MFIs Scale Better on Converiqo
35%
Faster borrower onboarding
40%
Collection efficiency improvement
28%
Documentation delays reduction
+0.6 NPS
Borrower satisfaction uplift
Customer voice
“Our microfinance operations now run on a single platform - from borrower enquiry to loan disbursement. Field agents know exactly what to do next, and leadership sees real-time collection metrics across all branches.”
Rajesh Kumar, CEO, Rural Finance Microfinance
“Field agent coordination, document collection, and borrower follow-ups were the hardest to track. Converiqo automated workflows, reminders, and field visit tracking - no more manual coordination headaches.”
Priya Sharma, Operations Head, Community Credit MFI
Need-to-know
Frequently Asked Questions
Answers for MFI leadership, branch managers, and field operations teams.
How can agentic AI support microfinance institutions today?
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Agentic AI automates borrower enquiries, organizes group loan communication, and supports field agent coordination. It helps MFIs deliver faster, more transparent lending services while reducing operational pressure and paperwork.
What challenges do microfinance companies face operationally?
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Microfinance firms struggle with manual data collection, rural communication gaps, verification delays, and repeated borrower questions. Automation solves these issues by centralizing processes and providing clearer, faster updates.
Can automation improve loan disbursal speed for microfinancing?
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Yes. Automation standardizes document collection, eligibility checks, and verification reminders. It reduces delays caused by manual follow-ups and accelerates disbursal cycles across individual and group lending models.
How does AI improve transparency for microfinance borrowers?
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AI ensures borrowers receive timely updates about documentation, approval status, meeting schedules, and repayment details. It builds trust in communities where communication delays often create confusion or fear.
Which KPIs should microfinance institutions track via automation?
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Key KPIs include borrower onboarding time, field agent productivity, collection success rate, ticket resolution time, and borrower satisfaction. Platforms like Converiqo help MFIs track these metrics consistently.
How does Converiqo Lead Engine improve microfinance outreach?
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Converiqo Sales / Lead Engine captures enquiries from field drives, community meetings, and social channels. It categorizes loan needs, tags urgency, and routes prospects to field agents for quicker conversion.
How does Converiqo CSSE support borrower self-service?
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Converiqo Customer Self-Service helps borrowers check required documents, meeting dates, application status, and FAQs. It reduces dependency on field staff and improves information accessibility in regional or remote areas.
Why should MFIs use Converiqo Ticketing System?
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Converiqo Ticketing System manages repayment disputes, documentation errors, delay concerns, and field issues. It assigns ownership and ensures structured resolution - critical for rural and semi-urban microfinance operations.
How does Converiqo Field Service Management help field agents?
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Converiqo Field Service Management assigns field visits, tracks travel, records verification details, and captures borrower documents. It boosts agent productivity and reduces operational leakage during fieldwork.
How do Converiqo workflows and marketing improve microfinance efforts?
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Workflow Automation standardizes enrollment, meetings, and collection cycles. Converiqo Marketing Module supports outreach campaigns, reminder flows, and renewal prompts, while feedback surveys help MFIs refine borrower experiences.
Microfinance excellence
Ready to Orchestrate Every Borrower Journey?
Plug Converiqo into your microfinance network to streamline borrower onboarding, field operations, and repayment tracking without disrupting workflows.