Agentic AI for Faster Loans, Better Borrowers, and Compliant Operations
Converiqo unifies loan enquiries, applications, underwriting, disbursals, and collections in one agentic command centre so NBFCs focus on lending, not coordinating.
Operational friction
NBFCs Need Automation Across Sourcing, Documentation & Collections
Remove high enquiry volumes, document backlogs, delayed verifications, and fragmented communication with a single agentic layer.
High Enquiry Volumes & Lead Leakage
Loan enquiries from DSA networks, websites, walk-ins, and campaigns flood multiple channels - without automation, NBFCs miss high-intent borrowers and struggle with follow-up consistency.
Document Backlogs & Verification Delays
Collecting KYC, bank statements, income proofs, and bureau reports across borrowers causes avoidable delays, manual chasing, and extended processing times.
Fragmented Borrower Communication
Borrowers toggle between email, WhatsApp, calls, and branch visits for the same update. Teams lack a unified view to track application status, document requirements, and EMI queries.
Opaque Loan Pipeline Visibility
Management cannot see where applications are stuck - sourcing, login, underwriting, sanction, documentation, or disbursal - hurting conversion tracking and portfolio forecasting.
Collection & Recovery Coordination
Delinquency management, collection calls, field visits, and recovery workflows happen manually across teams, making it hard to track performance and optimize strategies.
Compliance & Regulatory Reporting
Regulatory disclosures, policy deviations, audit trails, and compliance reporting need precise tracking and documentation to avoid penalties and maintain governance.
Agentic AI Spine for Sourcing-to-Disbursal Lending Ops
Machine-assisted enquiry capture, borrower comms, ticketing, workflows, and feedback keep sales, credit, operations, and finance teams in sync.
Sales & Lead Engine
Capture, qualify, and route loan enquiries from DSA networks, websites, walk-ins, and campaigns with de-duplication and SLA-based follow-ups.
Always-On Borrower Self-Service
Borrowers get instant answers on eligibility, EMI options, document requirements, application status, and loan details across channels.
Workflow & Ticket Command Centre
Standardize loan journeys from sourcing to disbursal, documentation, servicing, collections, and recovery with clear ownership and SLA tracking.
Core automation modules
One Stack for Leads, Self-Service, Support, Growth & Insights
Each module removes manual coordination so NBFCs can process faster, serve borrowers better, and maintain compliance.
Automation Flow
Sales / Lead Engine – Loan Sourcing & Enquiry Management
Capture loan enquiries from DSA networks, websites, walk-ins, calls, WhatsApp, and campaigns with loan type, amount, and purpose tagging.
Auto-qualify by loan category (personal, business, vehicle, equipment), eligibility score, urgency, and documentation readiness.
De-duplicate leads across channels and assign to sales executives, DSAs, or branch teams with guided scripts and checklists.
Trigger personalized nudges for document requests, eligibility checks, EMI calculations, and application completion reminders.
Track funnel velocity - enquiry, login, underwriting, sanction, documentation, disbursal - with stage-based SLA alerts.
Surface high-probability applications to management with forecast-ready dashboards, conversion metrics, and channel performance tracking.
Self-Service Flow
Customer Self-Service – Eligibility, EMI & Application Status
Borrowers access eligibility basics, EMI calculators, loan product details, interest rates, and application status 24/7 via website widget, WhatsApp, or Telegram.
AI auto-responds to common queries: eligibility criteria, required documents, EMI options, processing fees, prepayment charges, and loan status updates.
Self-service portals show application stages, document checklist, deficiency lists, sanction status, and disbursal timeline without calling support.
Secure document upload links collect KYC, bank statements, income proofs, and bureau reports without email chains or branch visits.
Automated reminders chase missing documents, pending verifications, and signature requirements to prevent application delays.
Multi-language responses on WhatsApp, email, or web widgets ensure clarity for borrowers across regions and demographics.
Service Flow
Ticketing System – Document Issues, EMI Queries & Delays
Log tickets for document mismatches, KYC queries, EMI disputes, processing delays, disbursal issues, and service complaints with clear categorization.
Auto-route to sales, credit, operations, collections, or customer service teams based on ticket type, loan stage, and urgency with SLA timers.
Allow borrowers and internal teams to attach documents, screenshots, or voice notes for context and faster resolution.
Escalate high-value loans or ageing tickets to management with one-click summaries and priority flags.
Track resolution reasons to identify process bottlenecks, policy gaps, training needs, or system issues for continuous improvement.
Close tickets with automated CSAT / NPS prompts and update loan journey timeline automatically.
Support Flow
Contact Center Module – Inbound Calls & Voice Support
Manage inbound calls, voice queries, and WhatsApp support for loan enquiries, application status, EMI questions, and service requests.
AI-powered call routing directs borrowers to the right department - sales, credit, operations, or collections - based on query type and loan stage.
Reduce missed enquiries and ensure consistent responses across loan enquiries, collections, and after-disbursal services.
Voice-to-text transcription captures call details, borrower concerns, and resolution actions for complete interaction history.
Automated callbacks for missed calls, follow-up reminders, and proactive outreach improve customer engagement and satisfaction.
Integration with LOS and CRM systems ensures call history, loan details, and borrower context are available to agents in real-time.
Ops Flow
Workflow Automation – Sourcing to Disbursal Journey
Digitize checklists for sourcing, login, underwriting, sanction, documentation, disbursal, servicing, collections, and recovery stages.
Auto-trigger tasks when documents are uploaded, verifications are completed, approvals are granted, or disbursal conditions are met.
Sync with LOS, LMS, CBS, and collection systems through APIs to reduce double-entry and maintain data consistency.
Surface daily workboards for sales executives, credit analysts, operations teams, and collection agents with prioritized tasks and deadlines.
Maintain audit-ready logs for regulator reviews, internal audits, policy deviations, and compliance documentation.
Link sales incentives, credit targets, collection efficiency, and portfolio health metrics to workflow completion for better visibility and accountability.
Knowledge Flow
Knowledge Management – Loan Products, Policies & SOPs
Centralize loan product details, eligibility criteria, interest rates, processing fees, documentation requirements, and policy guidelines in one searchable knowledge base.
AI-powered search helps sales teams and borrowers find answers instantly across product comparisons, EMI calculations, and documentation checklists.
Maintain versioned documentation for policy updates, rate revisions, process changes, and regulatory modifications.
Internal knowledge base for team onboarding, sales scripts, credit policies, collection strategies, and operational SOPs.
Auto-suggest relevant product information and documentation requirements during borrower conversations to reduce response time and improve accuracy.
Track knowledge gaps by analyzing unanswered queries to identify training needs, policy clarifications, and content improvements.
Growth Flow
Marketing Module – Loan Campaigns, Nurture & Reactivation
Run drip journeys for new enquiries with product highlights, eligibility information, EMI offers, and application completion reminders.
Send loan product alerts, interest rate updates, festive offers, and pre-approved loan notifications tailored to borrower segments and preferences.
Automate reactivation journeys for cold leads with time-bound offers, new product launches, and personalized loan recommendations.
Sync WhatsApp, SMS, email, and voice campaigns with LOS audiences for consistent, multi-channel communication.
Track open rates, click-throughs, application starts, and conversions to optimize campaign spend and ROI.
Segment campaigns by loan type, eligibility score, geography, and application stage to improve relevance and conversion.
Insight Flow
Feedback / Survey – Borrower Satisfaction & Experience
Collect feedback after application submission, sanction, disbursal, first EMI, and service interactions to understand borrower satisfaction at every touchpoint.
Measure NPS, CSAT, and experience scores across sales, credit, operations, and collections to detect issues early and improve retention.
Highlight communication quality, processing speed, documentation clarity, and service experience to identify improvement areas.
Trigger recovery workflows for detractors with management callbacks, personalized offers, and dedicated resolution plans.
Share testimonials, success stories, and positive feedback directly with marketing for proof assets and sales enablement.
Benchmark performance across loan products, sales channels, and service teams to inform training and process improvements.
Integration Flow
Integrations – LOS, LMS, CBS & Collection Systems
Seamless integration with Loan Origination Systems (LOS) for application data, document tracking, and status synchronization.
Connect with Loan Management Systems (LMS) for EMI schedules, repayment tracking, and servicing workflows.
Integrate with Core Banking Systems (CBS) for account verification, disbursal processing, and transaction reconciliation.
Sync with collection systems for delinquency data, payment tracking, and recovery workflows.
API-based integrations with bureau providers, alternate data sources, and verification services for automated credit checks.
Maintain data consistency across systems, reduce manual entry, and enable real-time visibility for all stakeholders.
Stakeholder outcomes
Benefits Across Leadership, Sales, Credit, Ops, Collections & Borrowers
Lending, servicing, and governance teams share one source of truth across enquiry capture, underwriting, servicing, and recovery.
NBFC Leadership & Management
- Single view of enquiries, applications, sanctions, disbursals, and portfolio health across all channels and products.
- Forecast-ready pipeline analytics with conversion rates, processing times, and portfolio performance metrics.
- Improved compliance posture with auditable workflows, policy deviation tracking, and regulatory reporting capabilities.
Sales & DSA Teams
- Automated reminders, scripts, and product information reduce prep time and improve response quality.
- One console for enquiry history, application status, documents, tickets, and approvals boosts productivity.
- Mobile-ready workflows ensure updates happen from field visits or branch locations without manual coordination.
Credit & Operations Teams
- Structured workflows for underwriting, verification, sanction, and disbursal ensure consistent processing and faster turnaround.
- Automated document tracking, deficiency alerts, and approval workflows reduce manual work and improve efficiency.
- Integration with LOS, LMS, and CBS systems eliminates double-entry and maintains data accuracy.
Borrowers & Customers
- Transparent application status, document requirements, and EMI information reduce confusion and build trust.
- Faster responses on eligibility, loan details, and processing status improve satisfaction and engagement.
- Structured ticketing and self-service options ensure every concern has ownership and a clear resolution path.
Collections & Recovery Teams
- Unified worklists combine delinquency buckets, promise-to-pay status, and field visit outcomes for sharper prioritization.
- Automated nudges choreograph voice, WhatsApp, and letter outreach while respecting regulatory guardrails.
- Case timelines capture every touchpoint with borrowers, guarantors, and agencies, improving transparency and roll-rate control.
Risk, Compliance & Audit Functions
- Policy deviations, maker-checker approvals, and exception notes live within each workflow for instant audit trails.
- Automated evidence packs simplify regulatory reporting, CRA submissions, and board dashboards.
- Real-time controls highlight breaches in TAT, documentation, or communication scripts so corrective action is immediate.
Deployment fit
Works for Every NBFC Type
From retail lenders to SME finance companies across all loan products.
Retail Lending NBFCs
Automate personal loans, consumer durable finance, and retail credit workflows from sourcing to collections.
SME & MSME Lenders
Manage business loans, working capital, and equipment finance with streamlined underwriting and documentation workflows.
Vehicle & Equipment Finance NBFCs
Handle auto loans, two-wheeler finance, and equipment leasing with OEM partnerships and dealer networks.
Digital Lending & Fintech NBFCs
Streamline online loan origination, digital KYC, instant approvals, and automated disbursal workflows.
Microfinance & Small Loan NBFCs
Automate small ticket loans, group lending, and collection workflows for underserved segments.
Multi-Product NBFC Groups
Standardize workflows, policies, and operations across multiple loan products and business lines.
Proof of impact
NBFCs Process Faster on Converiqo
35%
Loan processing time reduction
40%
Document turnaround improvement
45%
Customer satisfaction uplift
+0.6 NPS
Application conversion improvement
Customer voice
“Converiqo unified our loan enquiries, applications, and disbursals into one system. We process faster, reduce document delays, and our teams know exactly what to do next.”
Vikram Mehta, COO, QuickCredit NBFC
“Document verification and borrower communication were manual chaos. Converiqo automated these workflows and improved our processing time significantly - borrowers stay informed and satisfied.”
Anjali Sharma, Head of Operations, FlexiLoans NBFC
Need-to-know
Frequently Asked Questions
Answers for NBFC leadership, operations heads, and lending teams.
How can agentic AI improve NBFC lending operations?
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Agentic AI automates loan enquiries, organizes borrower communication, and streamlines documentation workflows. It helps NBFCs reduce processing delays, improve clarity, and maintain consistent communication across personal loans, business loans, and EMI products.
What operational challenges do NBFCs typically face?
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NBFCs struggle with high enquiry volumes, document backlogs, delayed verifications, repeated customer queries, and fragmented communication. Automation brings structure and accelerates credit journeys across sourcing, underwriting, and customer service.
Can automation reduce loan processing time for NBFCs?
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Yes. Automation standardizes document collection, follow-up reminders, status alerts, and approval workflows. It helps NBFCs move customers faster from application to disbursal, improving both efficiency and customer satisfaction.
How does AI improve customer transparency during loan journeys?
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AI provides real-time updates about application stages, required documents, eligibility checks, EMIs, and next steps. It significantly reduces customer anxiety and minimizes the need for repeated support interactions.
What KPIs should NBFCs track using automation tools?
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Key KPIs include enquiry-to-application conversion, document turnaround time, verification delays, disbursal speed, ticket resolution time, and customer satisfaction. Platforms like Converiqo help NBFCs monitor and optimize these metrics.
How does Converiqo's Lead Engine enhance loan sourcing?
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Converiqo's Sales / Lead Engine captures leads from DSA networks, websites, walk-ins, and campaigns. It tags loan type, eligibility, and urgency - helping NBFC teams respond faster and convert more high-quality prospects.
How does Converiqo's CSSE help borrowers self-serve effectively?
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Converiqo's Customer Self-Service allows borrowers to check eligibility basics, upload documents, track loan status, and view FAQs anytime. It reduces support load and improves transparency across the lending cycle.
Why should NBFCs use Converiqo's Ticketing System?
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Converiqo's Ticketing System handles issues like document mismatches, KYC queries, EMI disputes, and delay concerns. It ensures clear ownership, faster escalation handling, and reliable communication for customers.
How does Converiqo's Contact Center improve NBFC responsiveness?
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Converiqo's Contact Center Module manages inbound calls, voice queries, and WhatsApp support. It reduces missed enquiries and ensures consistent responses across loan enquiries, collections, and after-disbursal services.
How do Converiqo's workflows and integrations benefit NBFC operations?
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Workflow Automation standardizes underwriting, document checks, and approval steps. With integrations and Converiqo's Knowledge Management, NBFCs improve accuracy, reduce human errors, and deliver smoother, faster loan experiences.
NBFC excellence
Ready to Automate Every Loan Stage?
Plug Converiqo into your lending stack to orchestrate sourcing, underwriting, disbursals, collections, and compliance from one secure platform.