An NBFC’s collections calls in Marathi and Hindi
The situation
A vehicle and small-business lender in Maharashtra makes several thousand early-bucket reminder calls a month. Calls run from a script in Marathi and Hindi. Outcomes are typed into a spreadsheet at the end of each shift.
The problem
Callers spend most of their time on short, routine calls and too little on the hard conversations. Promise-to-pay data is incomplete, so follow-ups are missed.
Our approach
- Discover
Sit with the calling team for two days, listen to recorded calls, map the dispositions and agree with compliance which calls are in scope (reminders before and just after the due date, not hardship or dispute cases).
- Prove
A 6-week pilot on a sample of live accounts with the agent disclosing that it is automated, offering a key press to reach a person, and writing outcomes to the LMS.
- Build
Integration with the dialler and LMS, call-time rules, consent checks, redaction of account details in logs, a dashboard for the collections head.
- Run
Weekly review of a sample of call recordings and dispositions against the evaluation set.
Success metric
Target agreed in writing: share of in-scope calls completed without a person, with disposition accuracy of at least the level agreed on a reviewed sample, and zero calls outside permitted hours.
What could make it fail
Poor call audio, customers dropping on hearing an automated voice, or LMS data that is out of date. We would see all three in the first two weeks of the pilot from completion and drop-off rates.