Our Solutions
Tailored AI agents for every stage of the loan lifecycle.
The Central Command Center
The Master Agent is the first point of contact when customers land on your web chatbot via digital ads or marketing emails. It manages the entire conversation flow, understands customer needs, and convinces them to take a personal loan through personalized, persuasive dialogue.
Acting as the main orchestrator, it intelligently hands over tasks to specialized Worker Agents and coordinates the entire workflow. The Master Agent starts and ends the conversation, ensuring a seamless experience from initial engagement to final closure.
- Manages conversation flow with customers landing from ads/emails
- Understands customer needs and persuades them to take loans
- Orchestrates multiple Worker Agents for verification, underwriting, and sanction
- Handles edge cases like rejections or additional verification seamlessly
The Persuasive Negotiator
The Sales Agent specializes in discovering customer needs, negotiating loan terms, and driving commitment. It engages in human-like conversations to discuss loan amount, tenure, and interest rates, working to convert prospects into committed customers.
This agent uses sophisticated persuasion techniques to address customer concerns, highlight benefits, and create urgency. It negotiates terms that work for both the customer and the NBFC, ensuring high conversion rates while maintaining customer satisfaction.
- Discovers and understands customer needs through conversation
- Negotiates loan terms including amount, tenure, and interest rates
- Uses persuasive techniques to drive customer commitment
- Handles objections and builds trust throughout the conversation
The KYC Validator
The Verification Agent handles all KYC (Know Your Customer) verification tasks. It confirms customer details like phone number and address by querying a dummy CRM server, ensuring that the customer's identity matches the records.
This agent also manages phone and OTP validation processes, providing secure verification without manual intervention. It works seamlessly with the Master Agent to ensure verification happens at the right moment in the customer journey.
- Confirms KYC details (phone, address) from CRM server
- Handles phone number verification
- Manages OTP validation processes
- Ensures data accuracy before proceeding to underwriting
The Risk Assessor
The Underwriting Agent is responsible for credit evaluation and risk assessment. It fetches a dummy credit score (out of 900) from a mock credit bureau API and applies intelligent validation rules to determine loan eligibility.
This agent implements a three-tier approval system: instant approval for low-risk applications, salary slip verification for medium-risk cases, and automatic rejection for high-risk scenarios. It ensures that expected EMI doesn't exceed 50% of the customer's salary and that credit scores meet the minimum threshold of 700.
- Fetches credit score (out of 900) from credit bureau API
- Instant approval if loan amount ≤ pre-approved limit
- Requests salary slip upload if amount ≤ 2× pre-approved limit
- Approves only if expected EMI ≤ 50% of salary and credit score ≥ 700
- Rejects if amount > 2× pre-approved limit or credit score < 700
The Document Creator
The Sanction Letter Generator Agent automatically creates professional PDF sanction letters once all conditions are met and the loan is approved. It generates compliant documents with all necessary terms, conditions, and disbursement details.
This agent ensures that every approved loan receives a complete, legally compliant sanction letter instantly, eliminating the need for manual document preparation. The generated PDFs include loan amount, interest rate, tenure, EMI details, and all relevant terms and conditions.
- Generates automated PDF sanction letters upon approval
- Includes all loan terms, conditions, and disbursement details
- Ensures compliance with regulatory requirements
- Delivers documents instantly to complete the customer journey