Meet Kai
Your autonomous specialist for the entire delinquency lifecycle.
Empathetic, persistent, and compliance-first. Kai understands payment psychology, detects financial stress in voice tone and hesitation, and negotiates payment plans with empathy while maximizing recovery, never forgetting a promise or breaking a rule.
Kai
Collections & Recovery · AI Collections Manager
Powered by Vibrium OS
What Kai fixes in your collections operation
Traditional collections run on manual dialing, inconsistent follow-ups, and low connect rates, leaving billions in recoverable revenue untapped and compliance exposed.
Manual calling doesn't scale
Teams spend 60–70% of their time dialing, yet reach only 15–20% of target accounts a day. Manual processes can't keep pace with delinquency volumes, forcing write-offs or expensive third-party agencies.
Low connect rates drain resources
Industry connect rates sit at 12–18%, with agents stuck leaving voicemails and hitting dead numbers. By the time someone answers, the account has aged into a harder, costlier bucket.
Compliance risk is rising
RBI Fair Practices Code, TCPA, and data-protection rules govern consent, contact hours, and call frequency. Manual processes struggle to stay compliant at scale, exposing lenders to penalties and reputational damage.
Promises slip through the cracks
Promise-to-pay commitments get forgotten, follow-ups miss their date, and broken promises go unescalated, so committed recoveries quietly leak away.
Single-channel outreach leaves customers unreached
Voice-only collections leave 60–70% of customers untouched. Without coordinated WhatsApp, SMS, and email, every missed call is a dead end instead of the next touchpoint.
Aging accounts get harder and costlier
Each day an account ages, recovery odds fall and the tactics needed grow more aggressive, eroding both margin and the customer relationship.
What Kai does, day in, day out
Every conversation Kai runs maps to a concrete job in your collections engine. Hover a slice to see how.
How Kai works, capability by capability
Meet Kai's department. Every capability is a sub-agent reporting to Kai, each with one job to do exceptionally well. Click an agent to see their brief.
Orchestrate the complete journey
Kai runs the entire delinquency lifecycle end to end, from pre-due reminders through skip tracing, and hands off to your human teams exactly when a case needs them.
Calls customers in real time when they show intent on your site or app, so you engage before drop-off.
Handholds customers through loan and account journeys, activations, and re-engagement to lift completion.
Runs tele- and re-KYC verification for applicants, co-applicants, and guarantors to keep fraud out.
Resolves post-onboarding queries, card benefits, and POS/soundbox troubleshooting without human agents.
Coming soonHandles foreclosure, interest, and formality queries and supports policy-aligned underwriting decisions.
Delivers mutual-fund recommendations and portfolio insights aligned to each customer's profile and goals.
Coming soonResolves standard complaints per SOP, escalates only edge cases, and keeps audit-ready dispute trails.
Coming soonAutomates the full delinquency lifecycle across voice, WhatsApp, SMS, and email, with compliance built in.
Ingests borrower data and drafts complete, bank-format Credit Approval Memorandums for analyst review.
Coming soonSeamless handoff: Kai escalates disputes and human-handoff requests to your agents with full multi-channel context, and logs every consent, transcript, and disposition for audit.
Every agent runs on the same enterprise foundation
Kai inherits the full power of Vibrium OS, the agentic operating system trusted across banking, insurance, and FMCG.
DIY deployment in days
Stand up your agent on your existing stack in days, not quarters. Vibrium's team ships the first build with you, then your team iterates independently, with no rip-and-replace.
Multi-channel orchestration
One agent, every channel. Voice, WhatsApp, SMS, and email are orchestrated together so the conversation follows the retailer wherever it makes sense.
Multi-modal capabilities
Text, voice, documents, and rich in-chat webviews. Agents understand and act across modalities, from a spoken reorder to a tap-to-checkout flow.
Persistent memory
Every interaction sharpens a living profile of each retailer, including buying patterns, preferences, and history, so conversations get more personal over time.
Enterprise-grade security
100% containerized and on-premise deployable, meeting data-residency and regulatory requirements out of the box for banking, insurance, and FMCG.
100% enterprise-grade by default
Audit trails, role-based access, and on-premise deployment come standard, so Kai is production-ready for regulated environments from day one.
Put Kai to work
See how Kai reaches every customer across voice, WhatsApp, SMS, and email, negotiates intelligently, and recovers more at a fraction of the cost, live on your own data.