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Unsecured Debt Collection

Call-centre-led outreach and negotiation for unsecured accounts — personal loans, credit cards and business overdrafts — backed by a documented escalation path.

Unsecured Debt Collection

Structured outreach for accounts with no collateral

Without collateral to fall back on, unsecured recovery depends entirely on contact quality, consistent follow-up, and a fair, compliant negotiation process. Our dedicated call centre runs structured outreach campaigns for personal loans, credit cards and unsecured business lines, following RBI-aligned fair practice guidelines.

Every call, promise and payment is logged against the account, so lenders get a complete, auditable trail of contact history.

What's included

  • Dedicated call centre outreach across voice, SMS and email
  • Fair-practice-compliant scripting and call recording
  • Settlement and part-payment plan negotiation
  • Documented escalation path for non-responsive accounts
  • Daily and weekly recovery dashboards for the lender

Who this is for

Banks and NBFCs with unsecured retail portfolios needing consistent, compliant outreach at volume.

How an unsecured account is worked

01

Account Intake & Segmentation

Accounts are segmented by delinquency stage and contact history before outreach starts.

02

Structured Call Campaign

Trained agents follow a fair-practice script across voice, SMS and email.

03

Negotiation & Settlement

Part-payment or settlement plans are proposed within lender-approved limits.

04

Reporting & Escalation

Non-responsive accounts are flagged with full contact history for lender review.

Frequently asked questions

Is your call centre process RBI fair-practice compliant?

Yes. All scripting, calling hours and communication frequency follow RBI fair practice guidelines.

Can you handle high-volume retail portfolios?

Yes, our call centre is built for volume outreach with segmentation and dashboards.

Need consistent outreach on an unsecured book?

Our call centre can start a compliant campaign within days of onboarding.

Get started →