⚡ EARLY ACCESS

SKELO for BFSI

From first enquiry to final EMI. One AI workforce.

Qualify loan and policy leads at scale, remind before due dates, collect after them, and cross-sell on your existing book. Persistent, polite and consistent on every single call.

0%
Of your book reachable by voice
0+
Indian languages
0
Angry-agent escalations
📞PRE-DUE REMINDER · LIVE CALL00:26
AI
Hello Sunil! A quick reminder that your personal loan EMI of ₹12,400 is due on 5 August.
CUST
Yes, my salary comes in on the 3rd. I will pay right after that.
AI
Perfect. Shall I send you the payment link on WhatsApp on 4 August?
CUST
Yes, that works.
Promise to pay · 4 Aug Link scheduled CRM updated
Today: 8,400 pre-due reminders completed · 71% promised on-time payment.
The problem

Call centers don't scale. Collections agencies overdo it.

BFSI runs on phone calls: qualification, reminders, recovery. Doing it with human dialer floors means high cost, inconsistent scripts and compliance risk on every conversation.

₹120+

per completed human collections call, before infrastructure. AI does it for a fraction, and never has a bad day with a customer.

40%

of delinquencies start as simple forgetfulness. A polite reminder three days early keeps them from ever becoming NPAs.

100%

of AI calls follow your approved script, word for word where it matters. Every call recorded, transcribed and auditable.

01 · Lead qualification

Every loan enquiry called in seconds. Only eligible files reach your team.

SKELO calls the moment an enquiry lands, checks intent, income band, employment type and documents readiness, then routes eligible applicants to your sales team with a complete profile.

  • Instant response on every channel: aggregators, website, branch walk-in forms
  • Eligibility screening questions asked naturally, not like a form
  • Doc checklist shared on WhatsApp right after the call
INCOMING ENQUIRIES · PERSONAL LOANS
RM
Rajesh Mehta
Aggregator · ₹5L · salaried
📞 Calling…Eligible · docs ready
KS
Kavita Shah
Website · ₹3L · self-employed
📞 Calling…Eligible · ITR pending
DJ
Deepak Joshi
Aggregator · ₹8L · salaried
📞 Calling…Callback requested
NB
Neha Bansal
Branch QR · ₹2L
📞 Calling…Not eligible · noted
This week: 14,200 enquiries screened · 4,320 eligible files routed to sales.
02 · Pre-due reminders

The cheapest collection is the one you never need.

Three days before every due date, a friendly AI call confirms the payment plan and drops the link on WhatsApp. Forgetfulness stops becoming delinquency.

  • Reminder calls timed to salary dates, not random slots
  • Payment link sent during the call, on WhatsApp
  • Promises to pay logged with dates, and followed up automatically
📊PRE-DUE CAMPAIGN · AUGUST CYCLE
Due accounts this cycle42,000
Reminder calls completed39,480
Promised on-time payment28,030
Paid before due date24,860
Roll-forward into DPD 1+ down 23% vs the pre-SKELO cycle.
03 · Post-due collections

Persistent. Polite. Every single time.

AI agents work your early buckets with perfectly consistent, compliant conversations. No aggression, no shortcuts, no script drift. Escalation to humans only where empathy or negotiation truly needs it.

  • DPD-wise treatments: soft nudge at 1 to 15, firmer structure later
  • Promise-to-pay capture with automatic follow-up calls
  • Full recording and transcript trail for every conversation
📞COLLECTIONS · DPD 12 · LIVE00:58
AI
Hello Sunil. Your EMI of ₹12,400 is now 12 days overdue. Did you face any difficulty with the payment?
CUST
This month is a little tight. I can pay by the 20th.
AI
I understand. I will note 20 August and send the link that morning. If you can manage earlier, you will also avoid the late fee.
PTP · 20 Aug · ₹12,400 Follow-up scheduled Recording saved
Bucket 1 resolution up 31% with zero customer complaints on tone.
04 · Cross-sell and upsell

Your existing book is your cheapest growth channel.

Customers who repay well are your best prospects for top-ups, cards and insurance. SKELO runs always-on campaigns across your book, matched to eligibility and timed to life moments.

  • AI cohorts: "good repayment, loan maturing in 60 days" in one sentence
  • Top-up, card and insurance pitches in the customer's language
  • Interested customers routed to your team with full context
🧠CROSS-SELL COHORTS · LIVE
💰
Top-up eligible · loan maturing
6,240 customers · clean repayment
Queued● Calling · 22% interested
💳
Credit card pre-approved
11,800 customers · salaried
Queued● Calling · 3,120 done
🛡️
Loan protection insurance
18,400 active loans · no cover
ScheduledStarts Monday
Pipeline created this quarter: ₹4.2 Cr in top-up applications from reactivated customers.

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