Transform Loan Recovery with Intelligent AI
DebtPulse is an AI-powered digital collections platform designed for NBFCs and fintech lenders in India - helping you prioritize high-risk accounts, automate compliant outreach, and improve recovery rates in real time.
The Collection Challenges Slowing Down Your Growth
Manual & Fragmented
Spreadsheets, personal WhatsApp accounts, scattered payment links - no unified view of borrower interactions.
No Prioritization
Agents call borrowers randomly instead of focusing on high-value, high-risk accounts first.
Compliance Exposure
Regulatory penalties from excessive contact, non-compliant timing, and missing audit trails.
Expensive Tools
High per-borrower pricing and long deployment cycles restrict growth for small-to-mid lenders.
DebtPulse-Your Complete Digital Collections OS
From DPD tracking to settlement approval, DebtPulse centralizes, automates, and optimizes every stage of the recovery lifecycle.
AI-Powered Prioritization
- Risk scoring (01-00)
- Smart workqueue
- Recommended next actions
Omnichannel Outreach
- SMS, Email, WhatsApp API
- Cloud Telephony & IVR
- Compliance built-in
Real-Time Visibility
- Live dashboard
- Portfolio aging analysis
- Collection performance tracking
From Delinquency to Recovery-
Simplified
Import & Centralize
Upload or integrate your loan portfolio via API or CSV.
AI Scoring & Segmentation
Debtors are automatically prioritized by risk and DPD.
Automated Outreach & Escalation
Smart workflows trigger SMS, WhatsApp, calls, and payment links.
Resolution Tracking
Track PTPs, settlements, EMI plans, and payments in real time.
Analytics & Compliance Reporting
Generate scheduled reports and audit logs instantly.
Import & Centralize
Upload or integrate your loan portfolio via API or CSV.
AI Scoring & Segmentation
Debtors are automatically prioritized by risk and DPD.
Resolution Tracking
Track PTPs, settlements, EMI plans, and payments in real time.
Automated Outreach & Escalation
Smart workflows trigger SMS, WhatsApp, calls, and payment links.
Analytics & Compliance Reporting
Generate scheduled reports and audit logs instantly.
Powerful Features Built for Modern Lending Teams
Smart Agent Workqueue
AI-ranked call list with full borrower context and one-click actions.
Workflow Automation
Trigger-based outreach rules with escalation matrix.
Payment & Settlement
EMI restructuring, settlement approvals, webhook-verified payments.
Compliance Guardrails
Quiet hours, contact caps, opt-out tracking, audit logs.
Self-Service Portal
Secure payment links, callback scheduling, account summary access.
Advanced Analytics
Collection funnel, DPD distribution, cohort retention, scheduled reports.
Built for Every Decision Maker
For Head of Collections
Increase agent productivity by 15-20% with AI-prioritized queues and automated reminders.
For CTO / Engineering
Modern API-first stack. Self-hosted option. Full source access. Deploy in hours.
For COO / CEO
Real-time visibility into portfolio health and recovery trends.
For CFO
Lower cost per recovery. Faster digital payments. No per-borrower pricing.
Deliver Measurable Recovery Improvements
Flexible Pricing That Scales With You
Self-Hosted
Deploy on your infrastructure. Pay only for SMS, telephony, and payment gateway usage.
- Deploy on your servers
- No vendor lock-in
- Pay-as-you-go for services
Managed SaaS
Tiered pricing based on portfolio size. No hidden per-borrower fees.
- Fully managed infrastructure
- 24/7 support & monitoring
- Automatic updates & backups
- Transparent tiered pricing
Ready to Modernize Your
Loan Recovery Operations?
See how DebtPulse can improve your recovery rates while keeping you compliant.
Frequently Asked Questions
How long does implementation take?
DebtPulse can be deployed in hours, not weeks. Our self-hosted option allows you to get started immediately, while our managed SaaS option includes onboarding support to ensure a smooth transition.
Can we integrate with our LOS/LMS?
Yes, DebtPulse offers a modern API-first architecture that integrates seamlessly with most Loan Origination Systems (LOS) and Loan Management Systems (LMS). We also support CSV imports for quick data migration.
Does it support multi-branch operations?
Absolutely. DebtPulse is built for multi-branch, multi-team operations with role-based access control, branch-level reporting, and centralized portfolio management across all locations.
Is data hosted in India?
Yes, for our managed SaaS option, all data is hosted in India-based data centers. For self-hosted deployments, you have complete control over where your data resides.
How does AI scoring work?
Our AI scoring engine analyzes multiple factors including DPD (Days Past Due), payment history, borrower behavior, loan amount, and engagement patterns to assign a risk score (0-100) to each account. This helps agents prioritize high-value, high-risk accounts first.
What compliance features are included?
DebtPulse includes built-in quiet hours enforcement, contact frequency caps, opt-out tracking, and full audit trails to ensure your collection operations stay RBI-compliant at all times.