Banks, lenders and loan servicers

Agents for each stage of a loan, from the first enquiry to collections

Know

Voice-clone attempts usually target the disbursal account

Actioneer classifies the caller in the first seconds and sets what the agent can disclose or change on the account

Verified borrower

Date of birth and registered number checked before any balance or due date

Authorised third party

Authority on file checked; status answers only

Suspected voice clone

Disbursal and mandate changes refused; audio goes to your fraud team

Measure

Your rules, checked on each call

Every live call and message is scored against your rubric. Before deployment, any new agent version that fails a critical rule in testing is blocked

How scoring works

Early-stage collections

Rubric
  1. Right party verified first
  2. Assistant and purpose disclosed
  3. Within contact rules
  4. No pressure or misleading statements
  5. Options offered within policy
  6. Plan confirmed back

Systems it connects to

  • Salesforce FSC
  • Twilio
  • Genesys
  • Mambu
  • Oracle FLEXCUBE
  • Exotel
  • nCino
  • Temenos
  • LoanPro
  • Databricks
  • WhatsApp Business Platform
  • Microsoft Dynamics
  • LeadSquared

Regulations by region

India

5 regulations

Written into each agent’s rules and checked on every call

  1. RBI Fair Practices Code
  2. RBI Digital Lending Directions 2025
  3. RBI recovery-agent guidelines
  4. DPDP Act 2023
  5. TRAI TCCCPR and DLT
Security and compliance details

Security & compliance

Enterprise-grade security for your most sensitive conversations.

Actioneer meets the standards your security, compliance and legal teams hold every vendor to, so AI agents can handle borrower conversations with your full confidence.

  • SOC 2 Type II
  • ISO 27001
  • HIPAA
  • GDPR
  • CCPA

Inside your private cloud

Run Actioneer in your own cloud account, alongside your existing model services.

Fully air-gapped

Isolated deployments with no outside connectivity, for your most sensitive lines of business.

Your region, your models

Choose your inference region, provider and model version to meet data-residency needs.

Common questions

How do AI agents help borrowers complete stalled loan applications?

The agent finds out where the borrower stopped, explains the lender’s document checklist and sends them back to the relevant step or secure upload path. It confirms submission and document receipt for your loan team to review. It does not approve the loan or make requested uploads a condition of application submission.

How do agents follow our collections and contact rules?

Contact hours, attempt limits, consent and do-not-contact lists are set per product and region, and checked before each call or message. All conversations are scored against your rubric, with exceptions flagged.

Do agents approve loans or agree settlements?

No. Credit, underwriting, approvals, waivers and anything outside your plan bands stay with your team. Agents collect information, explain the options your policy allows and record the borrower’s next step.

When does a person take over?

On hardship, disputes, complaints, signs of vulnerability, or whenever the borrower asks. The agent escalates by urgency and passes on the verified identity, the transcript and what was already offered, so the borrower doesn’t have to repeat anything.

Can it run in our private cloud, in-country?

Yes. Actioneer runs in your own cloud account or fully air-gapped. You choose the inference region, model provider and model version to meet data-residency rules. Agents are trained on your own repayment results inside that boundary, and a new version goes live only if it beats the current one on your rubric.

Which languages do agents speak?

More than 20 languages and accents, including Hindi and other major Indian languages, Arabic and English. Agents switch when the borrower does, and all languages are scored against the same rubric.

See an agent handle one of your calls

Pick a call you run today, such as a pre-due payment reminder or a missed instalment. We’ll run it live and score it against your rules