Seamless Field Operations & Optimizing
Automates agent tasking, geo-tracking, and scheduling while optimizing performance with real-time insights and seamless borrower interactions.
Collections OS
End-to-End Debt Collections Powered by AI Agents
YuCOS uses AI agents to automate strategies, optimize engagement, and ensure full compliance.
AI Agents Going Beyond Traditional Collections
Why Lenders Choose YuCOS
The Collections Specialist
Simplified collections across the borrower lifecycle
Unified & Seamless
Dynamic journeys across voice, video, digital, and field.
Strategic Intelligence
Predictive models to forecast self‑cure, payment propensity, channel choice, etc. to optimize collections strategy.
Audit Trail, Security, & Compliance
Audit logs, role-based access controls, 100% Data security, and compliance support.
Cloud‑Ready & Open Architecture
Supports APIs, integration with billing, CRM, Core Banking systems, Loan Management systems, etc.
Scalability & Multi‑Portfolio Support
Handles multiple portfolios, regions, products (credit cards, loans, utilities, etc.) across geographies and currencies.
Trusted By Industry Leaders
Our Impact in Numbers
210 Mn+
Customer Touchpoints
89 Mn+
Accounts Saved From Becoming NPAs
45 Mn+
Monthly Accounts Handled
100%
Compliance Adherence
17000+
Pincode Coverage
9.5k+
DRA Certified Agents
55+
Lenders Onboarded
Borrower Level Customization with Start AI
Data-driven Automated Predictive Collections Strategy Execution
YuVoice
Human-like Voice Interactions for efficient Collections
An AI-driven conversational engine with 20+ multi-lingual interactions, capable of real-time adaptability and cost-efficient scalability.
Impact of YuVoice
80%
Reduction in manual calling
45%
Longer borrower engagement
12%
Increase in early-bucket recoveries
20+
Global languages supported
YuCI
Conversational Intelligence
The only AI guaranteeing 100% compliance, ensuring regulatory adherence with real-time transcription, compliance alerts, and proactive risk monitoring.
Impact of YuCI
100%
Real-time compliance alerts and intervention
100%
Compliance assurance with AI-driven monitoring
90%
Faster breach identification
14+
Languages supported for transcription and analysis
YuVin
Driving Personalized Video Engagement
Video messaging that enhances debt collections with payment reminders & customer engagement tuned with tailored & multi-lingual communication.
Impact of YuVin
20%+
Better borrower understanding of repayment terms
15%
Increase in Borrower Engagement
14%
Increase in campaign effectiveness
20+
Languages supported with regional & cultural adaption of Arabic
End-to-End Functionalities Supporting Your Debt Collection Goals
Advanced CRM & Predictive Dialing Infrastructure
Optimized call prioritization and automated dialing with a unified CRM to enhance borrower engagement, increase conversions, and accelerate collections.
Hyper-Personalized Omni-channel Engagement
Engage borrowers on the right channel at the right time with personalized outreach across SMS, WhatsApp, Email, Voice, Video, and Call Center for higher engagement.
Streamlined Agency & Agent Management
Automated case allocation, performance based incentives, and real-time tracking to boost agent efficiency and optimize collections management.
Real-Time Decisioning & Actionable Insights
Live AI-driven dashboards, predictive analytics, and instant alerts provide deep visibility into borrower behavior, agent performance, and compliance risks for optimized collections.
Efficient Legal & Settlement Management
Intelligent legal workflows, settlement negotiations, and real-time case tracking to ensure faster resolutions & structured collections.
Comprehensive Lifecycle spanning solutions
EWS
Analytical insights, early risk warning signals
Pre-Due
Timely nudges through appropriate channels prevent payment lapses
Early Delinquent
Promptly address unintended defaults through the optimal channels
BucketX
Enhance digital touch points with content tailored to debt stages
Mid Bucket
Smart usage of digitals & tele-communication channels
NPA
Improve recovery with alternate contacts & flexible settlement options
Write-Off
Boost call engagement, leverage FOS for optimal recovery
EWS
Analytical insights, early risk warning signals
Pre-Due
Timely nudges through appropriate channels prevent payment lapses
Early Delinquent
Promptly address unintended defaults through the optimal channels
BucketX
Enhance digital touch points with content tailored to debt stages
Mid Bucket
Smart usage of digitals & tele-communication channels
NPA
Improve recovery with alternate contacts & flexible settlement options
Write-Off
Boost call engagement, leverage FOS for optimal recovery
End-to-End Digital Settlement Journeys
Borrowers enter with OTP verification and instant ID checks, ensuring a trusted and compliant process.
Real-time eligibility and approval decisioning so borrowers get instant, transparent outcomes.
Assisted flows let agents step in seamlessly to guide borrowers through settlement.
Clear, auditable logic behind every offer builds borrower trust and compliance.
Generate and share compliant settlement offer letters instantly, whenever needed.
Performance Statistics
70% Faster Settlements
Closure cycles reduced from weeks to just days.
2x Increase in Borrower Adoption
More customers completing settlements digitally.
25% Higher Recovery Rates
AI-optimized approvals maximize lender outcomes.