AI-driven collections for India's digital lenders

AI-Powered Collections & Customer Experience — at Scale.

From pre-due reminders to late-bucket recovery, Surabhi Fintech delivers omnichannel collections and AI-driven contact-center services in 8 Indian languages, 24×7, from our Bengaluru operations base.

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Collections · Business Process Outsourcing · Customer Experience

Live conversation · WhatsApp · Hindi

Namaste Ramesh ji, aapka loan EMI ₹5,200 overdue hai. Aaj payment karne ke liye link bhej rahe hain.

Salary 5 tareekh ko aati hai, tab tak ruk sakte ho?

Bilkul. Maine 5 tareekh ka reminder set kar diya hai. Aap chahein toh partial payment ab kar sakte hain?

✓ Outcome: payment_committed · Auto-logged

About Us

Collections & Customer Experience, Purpose-Built for Digital Lending

Surabhi Fintech is a Bengaluru-based collections and customer-experience firm serving India's digital-lending ecosystem. We operate from three centres across the city, with multilingual teams that bring local linguistic and cultural advantages to every borrower conversation.

A process- and technology-driven company at heart, we combine best-in-class operational frameworks with AI voice and WhatsApp automation to deliver consistent, compliant, high-quality outcomes for our lending partners.

Whether the channel is voice, WhatsApp, or SMS — and whether the use case is pre-due reminders, bucket collections, or customer support — we design and run recovery programs across every touch point of the borrower lifecycle.

Bengaluru

3 operating centres across the city

Proprietorship

Surabhi Fintech · GSTIN 29AROPR3867P1ZH

8 Languages

Multilingual voice + WhatsApp coverage

Voice + Digital

Telecalling and digital recovery under one roof

Key Accounts

An Authorized Service Provider to India’s Leading Lenders

Under written engagement, Surabhi Fintech is an authorized service provider for the brands below — contracted to represent them in customer communications across voice, WhatsApp, and SMS, and authorized to message their customers on their behalf under approved co-branded WhatsApp display names.

MONEYTAP

MoneyTap

NBFCCredit Line

India’s first app-based credit line. As MoneyTap’s authorized service provider, Surabhi Fintech runs payment reminders and multi-bucket collections for their personal-loan and credit-line customers — in 8 Indian languages with promise-to-pay capture and daily MIS.

KBKreditBee

KreditBee

NBFCDigital Lending

One of India’s largest digital personal-loan platforms. As KreditBee’s authorized service provider, Surabhi Fintech handles their payment reminders and multi-bucket collections with AI voice + WhatsApp, backed by real-time dashboards, outcome scoring, and full call recording.

All third-party brand names and logos shown are the property of their respective owners. Surabhi Fintech operates strictly as an authorized third-party service provider and represents these brands in customer communications — including WhatsApp messaging under approved co-branded display names — solely to service their customers under written agreement.

What We Do

Every Channel. Every Language. Every Borrower.

Expert in voice and digital collections across 8 regional Indian languages — from pre-due reminders to late-bucket NPA recovery.

📞

Collection Calling

End-to-end recovery across the bucket lifecycle — from soft reminders to NPA — backed by AI voice agents and human escalation paths.

Bucket 0–90 Collection Calls
NPA Collection Calls
Hybrid telecalling + field recovery
Promise-to-pay capture & tracking

🔔

Reminder Calling

Pre-due, due-date, and post-due reminders delivered with the right tone and language — across voice, WhatsApp, and SMS.

Payment Reminder Calls
Welcome Calls
EMI & Renewal Reminders
Multi-channel cross-routing

💼

Sales Calling

Outbound campaigns optimized for conversion — from digital loan sales to financial product cross-sell.

Digital Loan Sales
Financial Product Sales
“Crack the Not Eligible” campaigns
Real-time CRM & disposition tracking

🛟

Support Calling

Inbound and outbound support that resolves customer issues quickly while improving CSAT.

Grievance Redressal
Customer Retention & Win-Back
Product / Offer Support
Live transfer to specialists

📋

End-to-End Data Management

A dedicated vertical for back-office, document management, and data verification — under the same client umbrella.

Customer Data Verification
Loan Processing
Document Management (DMS)
Back-Office Support

📊

Analytics & Insights

Every call and message is transcribed, analyzed, and outcome-coded — so clients see exactly what's working.

Real-time client dashboards
Outcome & intent scoring
Recovery rate / channel ROI
Daily & weekly MIS reporting

Industries We Serve

Vertical Depth in Financial Services

Our teams are organized by product, so every campaign has agents who understand the loan journey, the regulator, and the borrower.

Digital Lending

NBFC · Personal Loans · Credit Line

Welcome / Onboarding
Data Verification
Loan Disbursement Support
Digital Journey Assistance
“Crack the Not Eligible” Calling
Payment Reminder & Bucket X to NPA Collection

Consumer Finance

BNPL · EMI · Cross-Sell

Pre-due & Due-date Reminders
EMI Recovery
Product / Offer Selling
Customer Retention
Customer Win-back
Promise-to-pay Tracking

Why Surabhi Fintech

Four Pillars That Drive Client Delight

Management Focus on Processes

Best-in-class processes and frameworks in place, backed by technology and analytics. Management Reviews, frequent Pool Reviews, and senior-management out-of-the-box thinking — reports and trackers act as a clear differentiator versus other agencies.

Hybrid Presence

Telecalling and digital recovery under a single umbrella, catering to varied borrower needs. A dedicated vertical for DMS, Data Entry, and Process Handling means single-window solutions for our clients.

Technology Leverage

From predictive dialers and AI voice agents to real-time client dashboards and automated outcome classification — our tech stack gives Surabhi Fintech a clear edge over traditional competitors.

Quality Focus

Focus on First-Time-Right (FTR), with RCCA, FMEA, and other Six Sigma principles applied across every process. Relentless focus on execution, moving toward a zero-defect culture.

Operations Excellence

Built for Coverage, Quality, and Scale

Process maps, SOPs, checklists, and FAQs ensure consistent delivery from day one — with the right ratios and right rhythm.

Coverage & Visibility

24 × 7 × 365 operations
Multilingual coverage (8+ Indian languages)
Debriefing and daily huddles
Real-time client dashboards

Quality Audits

4 calls / week / advisor audited
Randomized call selection
Coaching and feedback loops
Monthly Product Knowledge Test (PKT)

KPIs & Metrics

Project-specific process KPIs
AHT, Service Level, Abandon Rate
Volume & productivity tracking
KRA / KPI-mapped agent performance

Staffing

10–15% buffer on-floor for absenteeism
Volume variation handling
Process maps, SOPs, checklists, FAQs
Higher initial QC, gradual ramp-down

Operations Ratios

Agent : Team Leader20 : 1

Agent : Quality50 : 1

Team Leader : Ops Manager6 : 1

Agent : Trainer100 : 1

Good Practices

Every call recorded for audit & dispute
QAs observe full caller experience
Weekly self-call-listening sessions
Compliance scoring on every audit

Technology Partner

Powered by NexShift AI

Our AI voice and WhatsApp stack is built on NexShift AI — a Meta-verified WhatsApp Business Tech Provider serving India's leading fintechs.

Enterprise-Grade AI, Backed by Meta

NexShift AI provides the end-to-end voice and conversational AI infrastructure that powers Surabhi Fintech's recovery campaigns. Their platform is verified by Meta as an official WhatsApp Business Tech Provider — bringing the same enterprise-grade messaging compliance, security, and reliability that Meta requires of its partners directly to Surabhi Fintech's clients.

Meta Verified Business WhatsApp Tech Provider Enterprise AI Stack

Built for Trust

Compliance-First by Design

Every interaction follows RBI's Fair Practices Code with full audit trails and lender-controlled escalation paths.

🛡️

RBI FPC Compliant

Calling windows, tone guardrails, escalation policies

🔒

Data Security

Access-controlled, recorded, and auditable operations

📋

Full Audit Trails

Every call recorded, transcribed, retrievable on demand

⚖️

DPDP Aligned

Borrower consent, data minimization, right-to-erasure ready