Faster Recoveries. Lower Cost. Fully Compliant.
The Operating System for Future-Ready Collections
PTP Capture & Tracking
Intelligently capture promise-to-pay intent, exact amounts, and dates with automated reminders.
Bucket-Wise Strategy
Deploy specific AI personas and aggression levels tailored to Early vs. Mid-bucket delinquencies.
Omnichannel Outreach
Follow up voice calls instantly with secure SMS or WhatsApp payment links while the borrower is on the phone.
Multilingual Support
Engage borrowers accurately in regional languages to build trust and improve response rates.
Live Dispute Escalation
Automatically route complex disputes or hardship claims to specialized human settlement agents.
Audit-Ready Logs
Every interaction is transcribed, recorded, and stored with PII redacted for total regulatory compliance.
One Platform Across the Collections Lifecycle
Pre-Due & Due-Date Reminders
Proactive, polite notifications for upcoming EMIs, confirming auto-debit status or banking changes.
Early Bucket (1–30 DPD)
High-volume, immediate outreach to confirm intent, correct minor bounce issues, and capture initial PTP.
Mid-Bucket (31–60 DPD)
Firmer borrower re-engagement, compliant timeline negotiation, and aggressive broken PTP follow-ups.
Hardship & Retention
Identification of true hardship cases requesting restructuring, routing them safely to specialist human teams.
Hear the Engine in Action
Listen to live recordings of Callaro navigating real credit & collections scenarios across different industries.
Personal Loan EMI Recovery
Sent Secure SMS Payment Link
Tuition Fee Reminders
PTP (Promise to Pay) Logged
Why Voice AI Outperforms Manual Collections
See how an infinitely scalable and tirelessly compliant AI workforce stacks up against traditional call centers and manual dials.
Frequently Asked Questions
How secure is borrower data?
Callaro is built for enterprise financial institutions. All data is encrypted at rest and in transit (AES-256). We support automated PII redaction from transcripts and never train core models on your customer data.
Can Callaro actually process payments?
Callaro does not collect credit card numbers verbally due to PCI bounds. Instead, it confirms the intent to pay and instantly dispatches a secure, trackable SMS or WhatsApp payment link directly to the borrower's device.
Does it understand regional dialects?
Yes. Our speech-to-text engines are uniquely optimized for mixed regional accents and dialects, seamlessly handling hybrid languages (e.g. Hinglish) without failing to transcribe intent.
Ready to scale your credit & collections team?
Connect with our architecture team to see exactly how Callaro's Voice AI engine can be deployed into your specific technical environment.
Book your technical teardown