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XpertCollection
The listed office is in Gurgaon, Haryana, India.
What it is
XpertCollection is a cloud-based debt collections platform for financial institutions, including banks, NBFCs, HFCs, ARCs, fintech lenders and MFIs. It brings digital outreach, tele-calling, field collections, legal notices and replies, payments, settlements and analytics into a recovery workflow. Outreach can use SMS, WhatsApp Business, email, RCS, IVR and voice bots, with models to help choose channels and contact times. Other tools include risk and propensity-to-pay scores, call recording and speech analytics, plus AI-drafted legal documents that qualified people review before dispatch. Field teams can log geo-tagged visits, issue digital receipts and reconcile cash. Compliance controls cover calling windows, contact frequency, approved templates, do-not-disturb rules and dispute holds; actions are recorded in a time-stamped audit trail. Portfolios can be added by API or file, and the platform can sync with loan management systems. It connects with telephony, payment gateways and UPI, SMS routes, WhatsApp Business and email. Payments are reconciled while funds settle in the institution’s own accounts. Institutions can license the platform, use managed recovery services or combine the two. Pricing is available on request.
For and against
For
- Combines outreach, calls, field work, legal notices and analytics.
- Supports SMS, WhatsApp Business, email, RCS, IVR and voice bots.
- AI-generated legal drafts receive qualified human review.
- Agency access can mask personally identifiable information.
- Payments reconcile while funds settle in institutional accounts.
Against
- Pricing is available only on request.
- The platform is listed for API and web, not other platforms.
The verdict
XpertCollection brings multiple debt recovery activities into one platform, with portfolio integrations, payment reconciliation and compliance controls. Institutions should request pricing and determine whether its licensing or managed-service options fit their needs.
Who it suits
It suits financial institutions managing the listed loan and acquired NPA portfolio types. Institutions seeking software, managed recovery services or a combination can choose among those engagement models.
On the record
- AI features
- It uses propensity-to-pay and risk scores, best-time and best-channel models, AI-drafted legal documents subject to human review, and speech analytics on recorded calls.xpertcollection.com · read 7 Oct 2026
- AI notice drafting
- Generative AI drafts legal notices and replies to received notices, which qualified humans review before dispatch.xpertcollection.com · read 7 Oct 2026
- Compliance
- The platform describes controls for calling windows, contact-frequency caps, approved templates, do-not-disturb and dispute holds, with touchpoints recorded in an audit trail.xpertcollection.com · read 7 Oct 2026
- Compliance controls
- The maker says the system enforces calling windows, contact-frequency caps, approved templates, do-not-disturb rules and dispute holds, and records actions in a time-stamped audit trail.xpertcollection.com · read 7 Oct 2026
- Data exchange
- Portfolios can be ingested via API or file, and the platform can sync with a loan management system through API or secure file exchange.xpertcollection.com · read 7 Oct 2026
- Deployment model
- Institutions can license the platform, use managed recovery services, or combine both models.xpertcollection.com · read 7 Oct 2026
- Digital outreach
- Its outreach engine supports SMS, WhatsApp Business, email, RCS, IVR and voice bots, with AI-based channel and send-time prediction.xpertcollection.com · read 7 Oct 2026
- Engagement models
- Institutions can license the platform, use managed recovery services, or combine both.xpertcollection.com · read 7 Oct 2026
- Field collections
- The field collections app supports geo-tagged visits, digital receipts and cash reconciliation.xpertcollection.com · read 7 Oct 2026
- Go-live
- The maker says institutions typically go live in weeks and describes a demo using the prospective client’s portfolio as a 30-minute walkthrough.xpertcollection.com · read 7 Oct 2026
- Integrations
- The platform can integrate with existing loan systems, telephony and dialers, payment gateways and UPI, DLT-registered SMS routes, WhatsApp Business and email providers.xpertcollection.com · read 7 Oct 2026
- Payments
- The platform orchestrates payments and reconciles receipts, while funds settle into the institution’s own accounts.xpertcollection.com · read 7 Oct 2026
- Portfolio types
- Supported portfolios include retail unsecured and secured loans, MSME and business loans, corporate exposures, microfinance and JLG portfolios, and acquired NPA pools.xpertcollection.com · read 7 Oct 2026
- Pricing
- Commercials are agreed in writing before go-live and may use per-account or volume-based SaaS licensing, success-linked managed-service fees, or hybrid structures.xpertcollection.com · read 7 Oct 2026
- Purpose
- XpertCollection is an AI-powered debt collections platform for financial institutions including banks, NBFCs, HFCs, ARCs, fintech lenders and MFIs.xpertcollection.com · read 7 Oct 2026
- Recovery lifecycle
- The platform combines digital outreach, tele-calling, field collections, legal notices, payments and analytics in one system.xpertcollection.com · read 7 Oct 2026
- Recovery workflow
- The platform covers digital outreach, tele-calling, field collections, legal notices, notice replies, payments, settlements and analytics.xpertcollection.com · read 7 Oct 2026
- Security
- The FAQ states borrower data is encrypted in transit and at rest, access is role-based with PII masking for agency users, and access and actions are logged.xpertcollection.com · read 7 Oct 2026
