Agentic AI Orchestration for NBFCs
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.
Growth module
Lead & Sales Engine Automation
Capture, score, and convert every loan enquiry with AI-powered qualification and nurture journeys.
Automation Flow
Sales / Lead Engine Loan Enquiry & Application Conversion
Capture loan enquiries from website, phone, WhatsApp, and partners with automatic loan type, amount, and requirement tagging.
AI-powered qualification based on credit profile, income verification, loan purpose, and repayment capacity.
Automated document collection with secure upload portals and real-time verification status.
Follow-ups for loan processing updates, additional document requests, and approval timelines.
Loan officers get instant lead allocation, performance dashboards, conversion tracking, and pipeline visibility.
Integration with credit bureaus, bank APIs, and verification systems for seamless processing.
Automation Flow
Customer Self-Service Loan Info & Application Support
Customers 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 customers get answers on WhatsApp, email, 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
NBFC Operations & Team Coordination
Manage loan applications, document verification, credit assessments, and disbursement processes.
Standardize loan processing workflows for application intake, verification, approval, and disbursement.
Track application progress, document status, verification results, and approval timelines.
Automate customer notifications, status updates, and follow-up sequences to improve satisfaction.
Centralize customer data, credit history, and loan information for personalized loan offerings.
Integrate with credit bureaus, bank systems, and regulatory compliance platforms.
Automation Flow
End-to-End Loan Processing Orchestration
Connect loan enquiry to application to verification to approval to disbursement to follow-up in one measurable customer journey.
Auto-trigger tasks when loan applications arrive, documents are submitted, or approvals are granted.
Sync with credit systems, bank APIs, and regulatory platforms through secure APIs.
Maintain audit-ready logs for loan applications, verification processes, and customer communications.
Link customer satisfaction scores, processing efficiency, and loan officer performance to workflow completion.
Collect feedback after loan disbursement and periodic reviews to understand customer sentiment.
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?
+
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?
+
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?
+
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?
+
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?
+
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 Lead Engine enhance loan sourcing?
+
Converiqo 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 CSSE help borrowers self-serve effectively?
+
Converiqo 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 Ticketing System?
+
Converiqo 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 Contact Center improve NBFC responsiveness?
+
Converiqo 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 workflows and integrations benefit NBFC operations?
+
Workflow Automation standardizes underwriting, document checks, and approval steps. With integrations and Converiqo Knowledge Management, NBFCs improve accuracy, reduce human errors, and deliver smoother, faster loan experiences.
NBFC excellence
Ready to Orchestrate Every Loan Journey?
Plug Converiqo into your lending network to streamline loan processing, underwriting, and borrower satisfaction without disrupting workflows.