Collections that recover, not just remind.
Decibel runs your whole repayment cycle in Indian languages: pre-due nudges, EMI follow-ups, promise-to-pay, and human escalation, with every call compliant and recorded.
- Pre-due and due-date reminders
- Promise-to-pay capture with instant payment links
- Broken-promise and roll-rate follow-ups
- Escalation to human agents for hardship and disputes
One platform, one login. Relay, Switch, and Spectrum working the same numbers and contacts.
One call journey, from first ring to handoff.
AI handles the volume, humans take the moments that matter, and every call feeds the same analytics. Here is how it runs for Lending.
- 01Relay
Pre-due reminder
Relay calls a few days before the due date in the borrower's language, confirms the amount, and offers a payment link.
- 02Relay
Due-date follow-up
If unpaid, Relay follows up, captures a promise-to-pay, and schedules the next touch on its own.
- 03Platform
Promise tracking
Promises and payments sync to your LMS in real time. Accounts that pay drop straight out of the queue.
- 04Switch
Human escalation
Disputes and hardship cases route to a Switch agent with the full repayment history, so nobody repeats themselves.
- 05Spectrum
Compliance scoring
Spectrum scores every call for fair-practice tone and flags collection risk before it becomes a complaint.
What Lending teams get out of it.
Common use cases
Early-bucket recovery (0-30 DPD)
Reach every account on day one of delinquency, when a gentle nudge still works, instead of triaging by hand.
Promise-to-pay management
Capture commitments on the call, send a payment link instantly, and auto-follow-up on broken promises.
Pre-EMI reminders
Lower first-time defaults with friendly, multilingual reminders before the due date across your whole book.
Settlement & restructuring intake
Let borrowers signal hardship to the AI, then route them to a trained human with full context.
Three products, working your Lending calls together.
No stitching tools together. Relay, Switch, and Spectrum share the same numbers, contacts, and dashboard, so a call flows from AI to human to analytics without a seam.
Relay
Agentic voice callingRuns reminder and follow-up calls end to end, captures promise-to-pay, and sends payment links.
Switch
Cloud call centerTakes hardship and dispute calls with the borrower's full repayment history in view.
Spectrum
Conversation intelligenceScores every call for RBI fair-practice tone and surfaces collection risk early.
Compliant on every call, by default.
Tone and language scored against RBI conduct and recovery norms on 100% of calls.
Registered templates, DND scrubbing, and calling-window controls on every campaign.
Every call recorded, transcribed, and retained with a complete audit trail.
Our early-bucket roll rates dropped within the first month. Relay calls every account on day one now, something our floor could never do at this scale.
Put Decibel to work on your lending calls.
Book a demo and we will set it up on your numbers, in your languages, in days, not quarters.