AI voice agent for EMI and payment reminder calls

A reminder call before or just after a due date is routine work, and it eats hours of a collections team. Qualia Voice makes those calls in Hindi, English or Hinglish, records the borrower's answer, and passes anything sensitive to a human straight away.

What the call does

1. Opens clearly. States who is calling and why, in the borrower's language.
2. Confirms the right person. Verification steps you define come before any account detail is mentioned.
3. States the reminder. Only the facts your approved script contains.
4. Captures the answer. Will pay, needs more time, disputes the amount, or wants a person.
5. Writes back. The outcome and any promised date are captured with each call.
6. Hands off. Disputes, distress and requests for a human move to your team with the transcript and captured fields.

What it does not do

It does not improvise. The agent works from scripts and rules your team approves, and anything outside them goes to a human. It does not replace the collections team. It clears the routine reminders so they can focus on conversations that need judgement.

Language

Borrowers often move between Hindi and English in one sentence. Qualia Voice is built for Hindi, English and Hinglish, so the call follows the borrower instead of forcing a language. How this works is covered in how Hinglish AI voice agents work.

Control and safety

• Caller authentication before account details. See AI voice agent security and caller authentication.
• Clear rules for when a call is handed to a human. See warm transfer and human handoff.
• Transcript encryption available, role-based access.
• Every AI call can be scored by CallPulse against the same rubric as human calls. See AI call QA for BFSI collections.

Getting live

Work through the go-live checklist: approve the script, define handoff rules, connect your telephony, and test on a small batch. Go-live is measured in days. The wider picture for lenders is in AI voice agents for loan collections in India.

FAQ

Can we approve every line the agent says?

Yes. The script and the rules for leaving it are yours to approve.

What happens when a borrower is upset or disputes the amount?

The call is handed to a human with the transcript and captured fields.

Which languages are supported?

Hindi, English and Hinglish.

Does it work with our CRM and dialer?

It works with your existing telephony setup.

Can we check the quality of the AI calls?

Yes. CallPulse can score AI-handled calls against the same rubric as human calls.