The AI Engagement Layer for NBFCs
AI agents that qualify leads, collect EMIs, and recover accounts — across voice, WhatsApp, and email — on top of the CRM, LOS, and LMS you already use.
See how each agent works — across every lending stage.
Outbound call → Priya S., business loan enquiry
No answer — switching to WhatsApp
✓ auto-switchQualification questions sent → turnover, loan purpose
Response: ₹8L/mo turnover — scored qualified
✓ QUALIFIEDCRM updated · RM alerted · Lead routed
✓ CRM syncedIVR reminder → Rajesh K., ₹12,450 due on 15th
Payment link sent → UPI + NEFT options
SMS fallback → pay.wyzard.in/rajesh
Payment received via UPI · LMS updated
✓ PAIDConfirmation sent → receipt + next EMI date
✓ closedOutbound → Suresh M., overdue ₹8,200 · options offered
Agrees to part-payment ₹4,100 + ₹4,100
✓ PTP loggedPart-payment plan sent → Pay Now link
Part-payment received · field visit cancelled
✓ resolvedLMS updated · DPD reset · account monitored
✓ LMS syncedYour lending pipeline is moving. Your borrower engagement still isn't.
Manual EMI reminders and follow-ups
Agents chase borrowers by hand at every stage. No automation means reminders go out late — or not at all — and collections suffer.
Borrower context scattered across CRM, LOS, and LMS
No unified view per account means every agent starts from scratch. Context lives in three systems and no one has the full picture.
Single-channel collections that lose the borrower mid-journey
SMS-only or call-only strategies fail when borrowers don't pick up or respond. No fallback orchestration means lost recoveries.
No visibility into where each application actually is
Signals in one system, outcomes in another. No one knows the full path from application submission to disbursement to repayment.
Lending doesn't need another tool. It needs an engagement layer.
NBFCs have already bought the systems of record — CRM, LOS, LMS, contact centre, collections. None of them engage the borrower. That work still falls to people, and it is where the pipeline leaks. What's missing isn't another system. It's the layer that decides and acts on top of the ones you already own.
Traditional engagement tools wait to be configured. Wyzard decides — and acts — on its own. Here's how that works inside a lending book. ↓
Wyzard reads your CRM, LOS, and LMS.
It decides who to contact, when, and on which channel.
It acts — sends the WhatsApp, makes the call, follows up.
It writes every outcome back to your systems automatically.
Your team handles the exceptions. Wyzard handles the rest.
The Wyzard Loop for NBFC Lending — Five Steps
Reach borrowers where they actually respond
Agents orchestrate multi-channel borrower engagement — voice, WhatsApp, SMS, and email — in the right sequence, at the right time.
Five capabilities. One connected lending journey.
AI Customer Memory
A unified memory of conversation history, preferences, engagement, intent, sentiment and journey context.
One layer. Five capabilities. Available across all lending stages.
One platform. Four lending stages.
From first lead to final collection — automated, orchestrated, and written back into your systems of record.
Acquisition & Qualification
AI qualifies leads from web, WhatsApp, and referral channels instantly. No rep required until the lead is ready.
See agents →Application & KYC
Agent guides borrowers through the full application and KYC process — document collection, verification, LOS submission — without manual hand-holding.
See agents →Disbursement & Onboarding
Triggers disbursement communications, activates welcome and onboarding sequences, and sets EMI expectations from day one.
See agents →Collections & Recovery
EMI reminders, delinquency prevention, and field collection copilot — multi-channel and structured across DPD buckets.
See agents →Agents for every stage of the lending journey.
Each agent has a defined goal, reads from your existing systems, acts on borrowers, and writes outcomes back — no manual handoff required.
First touch to qualified lead — before a human is involved
Sits on top of your stack. Replaces none of it.
Wyzard reads from your CRM, LOS, LMS, and contact centre — acts on borrowers — and writes every outcome back. Your systems stay authoritative.
Your existing stack (unchanged)
Agentic layer for NBFC lending
Enterprise integrations built in
Your dedicated AI lending team. Configured for your workflow. Deployed across every stage.
From lead qualification to final collection — Wyzard handles the engagement, your team handles the exceptions.
Built for NBFCs that need faster, automated borrower engagement.
Typical go-live: 5–7 working days · Dedicated onboarding included