AI Voice Employees
for BFSI operations.
Automate collections, loan follow-ups, KYC verification and customer support in 32+ languages. Pay only for verified outcomes—not call minutes.
Borrower / customer call
Outbound or inbound
Consent on fileDNC checkedDubCall AI Voice Employee
Understands, responds, acts
HindiEnglishBengaliMarathi+28Verified outcome
The only thing you pay for
Promise-to-payKYC completeQuery resolvedSystems updated
Written back during the call
LMSLOSCRMCBS
Active AI Employee
Ria · on call 00:42
- Workflow
- EMI follow-up · DPD 1–30
- Language
- Hindi + English
- Outcome
- Promise-to-pay captured1 outcome
- Call cost
- ₹0 until outcome
Compliance
- Calling window approved
- Consent on file
- DNC list checked
Recording, transcript and outcome record stored for audit · data stays in your tenant
Built with leading voice and AI infrastructure
Supported by
One platform. Four BFSI operations teams.
NBFC collections is where most teams start. The same AI Voice Employees run lending, KYC and servicing workflows for banks, insurers and collection agencies.
NBFCs & lenders
- Primary workflow
- EMI reminders and DPD follow-ups
- Outcome
- Promise-to-pay, payment link delivered
Banks
- Primary workflow
- KYC, application follow-up, account support
- Outcome
- Verification complete, case updated
Insurance & BFSI
- Primary workflow
- Renewals, claims follow-up, customer service
- Outcome
- Query resolved, callback booked
Collection agencies
- Primary workflow
- Early-, mid- and late-bucket workflows
- Outcome
- Follow-up complete, agent escalation
NBFC (non-banking financial company) · BFSI (banking, financial services and insurance) · EMI (equated monthly instalment) · KYC (know-your-customer) · DPD (days past due). Definitions on Wikipedia: NBFC and Wikipedia: BFSI.
See how each workflow runsOne AI Voice Employee. Four BFSI workflows.
Pick a workflow to see the trigger, what the AI Voice Employee does on the call, the verified outcome you pay for and the systems it updates.
NBFCs, lenders and collection agencies
EMI reminders and DPD follow-ups
- 1
Verifies the borrower, states the lender's name and the purpose of the call
- 2
Explains the due amount and handles objections in the borrower's own language
- 3
Agrees an amount and a date, then sends the payment link by SMS or WhatsApp
Verified outcome · billed once
Promise-to-pay captured
Amount and date written to the LMS · payment link delivered
No answer, disconnect or no verified action: ₹0.
Systems updated
Controls applied
- Calling window per policy
- DNC scrub before dialling
- Consent logged
- Recording and transcript
Pay for outcomes.
Not for minutes.
No lender, bank or insurer should pay for a call that achieves nothing. DubCall bills only when an AI Voice Employee delivers a defined outcome.
“If there is no defined outcome, the cost of that wasted conversation should be ours, not the lender's.”
achieve nothing
Controls you configure, not a badge we claim.
Configurable controls for calling windows, consent, DNC rules, audit logs and escalation workflows. Each one is set per use case and policy before go-live, and every call leaves a record you can audit.
Calling windows
Set per workflow and policy. Collections defaults to the RBI recovery-agent guidance (no calls before 8:00 a.m. or after 7:00 p.m.); servicing and support windows are yours to define.
Consent
Consent status is checked before a number is dialled and logged on every call. A withdrawal stops the workflow for that customer.
DNC rules
Numbers are scrubbed against your Do-Not-Call list and TRAI's DND registry before every campaign, with the scrub result kept on the record.
Audit logs and recordings
Every call is recorded, with a transcript, the outcome record and the systems it updated. Exportable per call, per campaign or per audit request.
Escalation workflows
Disputes, hardship cases and any request for a person transfer to your team with the full context, so nobody repeats themselves.
Security
Calls are end-to-end encrypted, data is isolated per tenant and never used to train shared models. SOC 2 is in progress; on-premise and private-cloud deployment are available.
Sources: RBI circular on Recovery Agents (2022) · RBI Guidelines on Digital Lending (2022) · TRAI · AICPA SOC 2
Proof comes from your portfolio, not our slides.
We publish customer results only with written approval. Until then, here is exactly how a two-week pilot on one bucket of your portfolio is run and measured.
Before the pilot
- Telecallers dial a bucket list by hand, in two or three languages
- Promise-to-pay noted on paper or in a sheet, keyed into the LMS later
- Calling hours and DNC checks depend on the floor supervisor
- Cost is per seat and per shift, whatever the day produced
During the pilot
- The AI Voice Employee works the same bucket inside the configured window
- Promise-to-pay written to the LMS during the call, payment link sent
- Consent, DNC scrub and recording applied to every single call
- Cost is per verified outcome; unanswered and dropped calls are ₹0
What we measure against your telecallers
Contact rate · Promise-to-pay rate · Cost per verified outcome · Calling-window adherence · Escalation rate
DubCall sits between your telephony and your systems of record.
Outcomes are written where your teams already work: the LMS, LOS, CRM or CBS. Webhooks and a REST API cover everything else.
Telephony
Your numbers, our dialler
SIP trunks or hosted numbers. Inbound and outbound, with the calling window and DNC scrub applied before a call is placed.
DubCall AI Voice Employee
Converses, decides, acts
- 32+ languages, code-switching mid-call
- Consent, window and DNC controls
- Verified-outcome engine and statement
- Recording, transcript, audit record
LMS
Loan management
Promise-to-pay, payment status
LOS
Loan origination
Application stage, documents, KYC status
CRM
Customer relationship
Tickets, callbacks, call notes
CBS
Core banking
Account queries, re-KYC status
Connectors available today: Salesforce · HubSpot · Zoho CRM · Leegality · Perfios. Any other LMS, LOS, CRM or CBS is connected through the REST API and webhooks. Integration details
Built by people who ship voice AI and run collections.
DubCall is built by NextSens Global Pvt. Ltd. in India. The founders write and review the guides, pricing and product pages on this site.
Meet the team
Pretam Ram
Founder & CEO
Former software developer at Deepnap Softech, where he built scalable SaaS products. Owns DubCall's core AI voice platform, reliability and delivery.
Piyush Modi
Co-Founder & CBO
10+ years in lending and collections. Led DubCall's go-to-market strategy and closed its first revenue; owns sales and customer growth.
AI calling agent FAQs
Straight answers for collections, lending and operations leaders evaluating DubCall.
An AI calling agent is software that makes and answers phone calls on its own. It understands what the caller says, replies in a natural voice and completes a task during the call. DubCall's AI calling agents are built for NBFCs, banks, insurers and collection agencies. They recover EMIs, qualify loan applicants, complete KYC verification and resolve borrower queries in 32+ languages. Every outcome is written back to your LOS, LMS or CRM.
New to the category? Read what an AI calling agent is. See how billing works on the outcome-based pricing page, or see the full platform on the AI calling agent product page.
Answers reviewed
Map one workflow to outcome-based pricing.
Bring one workflow: EMI reminders, application follow-ups, re-KYC or support. In 30 minutes we define the verified outcome, the controls and the per-outcome rate for your volumes.