Solutions / Collections
Recover more, without a single harsh word.
From the first missed EMI to late buckets, vobo calls every account on schedule, finds out why the payment stopped, and leaves with a promise you can track — while staying inside every rule your compliance team cares about.
01The call, moment by moment
What vobo does on every call
Before the ask
Right person, then the reason
Confirms identity before a single loan detail, then asks what stopped the payment. Salary delays, job loss and medical emergencies each get a different path.
The ask
Options in the caller's terms
The full amount, a settlement where you allow one, or part today and the rest on payday. Figures come only from your data.
The promise
Promises with dates, not vibes
Captures the amount and the exact date, reads them back once, and books the follow-up for that day.
The follow-up
Calls back with the promise in hand
On promise day, vobo opens with what the customer committed to. Kept promises close; broken ones move to the next step in your journey.
02Listen
Hear it handle a real flow
Collections · 34 days past due
A promise to pay, in Hindi
Viraj confirms who he is speaking to before saying anything about the loan, hears why the payment stopped, and leaves with a split promise: part today, the rest on payday.
Collections · promise-day reminder
The follow-up that keeps its word
On the date Rohit chose, Viraj calls back with the balance he promised — not a script, the actual commitment from the last call.
03Outcomes
Every call ends in a disposition your team can act on
Dispositions are yours to define. These are the ones lending teams start with.
- PTP_GIVEN
- Promise to pay with amount and date
- PAID_ALREADY
- Customer says it is paid — routed for verification
- CALLBACK_REQUESTED
- Called back at the time they asked
- HARDSHIP_MED / JOB
- Ask stopped, account flagged with a cool-off
- DISPUTE_RAISED
- Logged for your disputes team, collection paused
- THIRD_PARTY
- Relative answered — no details shared
04Questions
What lending teams ask us
Will it ever threaten or pressure a borrower?+
No. vobo never uses threats, legal language or repeated pressure, and a borrower in hardship hears a kind close, not an ask.
Can it offer settlements?+
Only the settlement figure you pass for that account, worded the way you approve, and only after the full amount has been stated.
What happens when a relative picks up?+
They hear a neutral line with the agent's name and the lender's — nothing about the loan — and vobo books a callback for the borrower.
Hear it yourself
Talk to vobo. It takes a minute.
Pick a scenario, take a call in your browser or on your phone, and try to trip it up. Switch languages, interrupt it, ask it something odd.