AI AGENT
Intervene before a missed EMI becomes delinquency.
Artha identifies borrowers showing signs of repayment stress using repayment behaviour, account history, risk signals and customer interactions. It proactively reaches out, understands the situation, captures commitments and triggers the appropriate next action.
The Challenge
Opportunity for early intervention lost
By the time a borrower becomes seriously delinquent, the opportunity for early intervention may already be lost.
Signal coverage strength
Bounced mandate
NACH/eNACH failure detected
Missed EMI
Payment missed by 3+ days
Address change
Permanent address updated in bureau
New loan inquiry
Hard inquiry for personal loan
Balance drop
Primary account balance below EMI
Contact change
Primary phone number unreachable
Business Impact
Earlier intervention. Lower delinquency.
Healthier loan portfolios. Early Intervention Rate · Delinquency Rate · Roll-Forward Reduction · Recovery Rate
Live Account Score
91/ 100
Delinquency Risk87%
Payment Velocity91%
Engagement64%
YOUR AGENT IS READY
Your AI workforce for financial services.
Built for financial institutions that want to scale customer operations without scaling complexity.