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Act 01AI collections and follow-up · Next wave

AI collections agent that chases late payments, politely

An AI collections employee sends polite payment reminders by WhatsApp and call, shares the payment link you approve, records promises to pay and hands disputes to your accounts team. It suits coaching centres, schools, clinics and B2B suppliers chasing many small fees, instalments or invoices. You approve the tone and schedule. Pricing is a setup fee plus a monthly fee.

Talk about this roleSee a typical day

A one-time build fee plus a monthly fee, quoted after a short call.

Act 02The job

What it does

Payment reminders by WhatsApp and call, records promises to pay.

  1. Sends payment reminders on the schedule you approve
  2. Calls customers who have not replied to messages
  3. Records promises to pay, with dates, in your system
  4. Shares the payment links or account details you have approved
  5. Sends a gentle follow-up when a promised date passes
  6. Hands disputes and hardship cases to a person

Act 03Example day

A shift, hour by hour

An illustration of a typical day for this role, not results from a client.

  1. 9:00 am

    Second-instalment fees fall due today. The employee sends each parent the approved WhatsApp reminder with your payment link.

  2. 1:00 pm

    A parent replies that they will pay on Friday, after salary day. The employee records the promise and sets a follow-up for Saturday.

  3. 4:30 pm

    A parent says the fee was already paid in cash. The employee stops reminders for that student and passes the case to your accounts desk.

  4. 7:00 pm

    Your accounts desk gets the list: paid, promised, no reply and disputed.

Illustrative Times and events are examples of how the role works.

Sample call

Hear it on the phone

A staged call with synthetic voices and an invented business, run by the same rules a real one is.

Sample callOutboundHinglish

A polite EMI reminder that ends in a date

Loan collections · Sahyog Finance (invented)

A reminder for a missed EMI. The employee verifies identity, records a promise to pay, sends a payment link and leaves the late-fee waiver to an officer. No pressure, no threats.

What it did

  • Called within permitted hours, recording announced
  • Identity checked before any loan detail was shared
  • Promise to pay recorded: the 20th
  • Late-fee waiver request passed to the collections officer
  • Payment link sent on WhatsApp (approved template)

Voice: Sarvam Bulbul, Shreya. Scripted and synthetic: not a recording, not a real customer.

Transcript
  1. नमस्ते, मैं Sahyog Finance की AI assistant बोल रही हूँ। ये call record हो रही है। क्या मेरी बात Amit Sharma जी से हो रही है?Hello, I am the AI assistant from Sahyog Finance. This call is recorded. Am I speaking with Mr Amit Sharma?
  2. हाँ, बोलिए।Yes, go ahead.
  3. Verification के लिए, क्या आप अपने जन्म का साल बता सकते हैं?For verification, could you tell me your year of birth?
  4. उन्नीस सौ अठासी।1988.
  5. धन्यवाद Amit जी। आपके two-wheeler loan की EMI, जो पाँच तारीख को due थी, अभी pending दिख रही है। क्या आपको इसके बारे में पता था?Thank you, Amit. The EMI on your two-wheeler loan, due on the 5th, is showing as pending. Were you aware of it?
  6. हाँ, इस महीने salary late आई। मैं बीस तारीख तक भर दूँगा।Yes, my salary came late this month. I’ll pay by the 20th.
  7. समझ सकती हूँ। मैं बीस तारीख का promise to pay note कर लेती हूँ। Payment link WhatsApp पर भेज दूँ, ताकि उस दिन आसानी से भर सकें?I understand. I’ll note a promise to pay on the 20th. Shall I send a payment link on WhatsApp so it’s easy to pay that day?
  8. हाँ भेज दीजिए। Late fee माफ़ हो सकती है क्या?Yes, send it. Can the late fee be waived?
  9. Late fee माफ़ करना मेरे हाथ में नहीं है। मैंने आपकी request हमारे collections officer को भेज दी है, वो दो working days में आपको call करेंगे।Waiving the late fee isn’t something I can do. I have sent your request to our collections officer, who will call you within two working days.
  10. ठीक है।Okay.
  11. धन्यवाद Amit जी। Link भेज दिया है। आपका दिन शुभ हो।Thank you, Amit. The link is sent. Have a good day.

Act 04Channels and hand-over

Where it works. When it steps back.

Channels

  • WhatsApp Business API
  • Phone calls
  • Email
  • Your accounting or billing tool

Hands over to a person when

  • A customer disputes the amount
  • A customer reports hardship or asks for a settlement
  • A customer asks to speak to a person

Suits

  • Schools, colleges and coaching centres
  • Clinics and service businesses
  • B2B suppliers with many invoices
  • Subscription businesses

Act 05Questions

Asked often

Every employee says it is an AI when asked, announces call recording and follows your written limits.

How firm is the tone?

You approve the tone and the schedule. The employee stays courteous, and it never threatens or shames anyone.

Does it follow telecom rules?

Yes. Calls and messages follow TRAI commercial communication rules, and WhatsApp runs through the official Business API with approved templates.

Can it take payments?

It shares a payment link you have approved, and the money goes straight to you.

What about customers who have opted out?

Opt-outs are respected and logged, and the employee stops contacting that customer.

Act 06Related roles

The rest of the team

Related services

See all 7 roles

AI collections and follow-up

Put it on shift

Tell us about the job today: the calls, the messages, the tools. We map it with you, then quote a one-time setup and a monthly fee.

Talk about this roleHow it works