Built by a lender, not a vendor

AI-Native Collections Management Platform

Trained on a real loan book we underwrote and serviced ourselves — now deployed across two-wheeler, personal, MSME and MFI loans to increase resolution while decreasing cost.

At Risk
Recovered
₹750Cr
Managed on the Platform
32%
Cost Reduction Reported by Partners
<7 Days
Go Live

The Shift

From fragmented and reactive to unified and predictive

The Problem

⚠️

Channel Silos

No shared context across channels.

📉

Generic Models

One model for every borrower.

🕒

Manual Allocation

Static rules, no real-time signals.

The Fix

🎯

Outcome-First

Solving for recovery, not vanity metrics.

🧬

Asset-Specific DNA

Trained on real borrower behavior, every category.

⚙️

Dynamic Allocation

Right agent, right moment, automatically.

⚡ AI Orchestration Engine

Four Agents. One Shared Brain.

🧠

Classis

Predicts who will pay, and how.

🔀

Sense

Picks the right channel, in real time.

📡

Relay

Keeps AI, humans and field agents in sync.

📊

Turbo

Learns from every outcome to get sharper.

Pricing

Priced to Outcomes

We get results, we get paid. If we don't, we don't.

💳

No Fixed License Fees

You don't pay for software seats or platform access.

📄

No Large Upfront Contracts

Start small and scale as results come in.

🎯

Pay for Outcomes

Compensation is tied to recovery performance, not usage.

Compliance & Governance

Built for regulated lending

⚖️

RBI Fair Practices Code

Every borrower interaction follows RBI's fair collections guidelines.

🔕

TRAI DND Regulations

Do Not Disturb registrations are respected across every channel.

🔒

DPDP Guidelines

Borrower data is handled per India's Digital Personal Data Protection Act.

Proof of Performance

Real results from real portfolios

📈

Up to 98%+

Resolutions in early buckets

💰

~30%

Lower cost to collect

Nearly 2x

Resolution rate on distressed pools

Backed by
Prime Venture Partners Z47 GMO Venture Partners TurboStart
Trusted by lending partners
Fusion Finance Seeds Finance Northern Arc Growmoney

Request a Personalized Demo

See OTOCollect AI on your own portfolio

Tell us a bit about your organization and we'll prepare a demo tailored to your book, metrics and team workflow.

  • Executive overview — platform capabilities, benchmarks, ROI
  • Technical deep dive — integration, security, architecture
  • Operational workshop — live walkthrough on your data

Talk to our team

For enterprise lenders, NBFCs, banks and collections teams.

By submitting, you agree to be contacted by the OTOCollect AI team about this request. We typically respond within one business day.