Poonawalla Fincorp Limited (PFL), a leading player in Consumer & MSME Lending, has announced the implementation of a cutting-edge AI-powered debt management platform.
This transformative solution aims to revolutionise PFL’s debt management processes, enhancing operational efficiency, and reshaping the collections journey in the lending sector.
The newly implemented AI-powered debt management platform uses a highly advanced engine to autonomously analyse customer data from a variety of touchpoints, including digital communications, tele-calling, and field operations. By utilising a multi-layered, multi-channel intervention mechanism, the platform reduces the time spent on manual tasks by 4-5 days, streamlining the entire debt collection process. It also allows for the use of over 100 micro-strategies tailored to each customer’s profile, preferred communication channels, and optimal engagement times.
One of the key features of this platform is its automated channel allocation process. Previously taking 3-4 days, the process is now completed in under 3 hours, enabling faster customer engagement post-delinquency through tele-calling and field channels. This drastic reduction in time ensures prompt communication and improved collections.
The platform also integrates AI and machine learning-driven predictive models, which provide a more accurate risk assessment. Compared to traditional methods, this AI-first approach delivers 2-3X sharper risk assessments, enhancing PFL’s ability to make smarter, data-backed decisions. Additionally, a GenAI-enabled automated call audit system monitors collection agents’ interactions, ensuring compliance with governance standards and improving accountability.
Mr Arvind Kapil, Managing Director & CEO of Poonawalla Fincorp, said, “Our adoption of AI in debt management is not just about automation, it’s about smarter, data-driven decisions that improve outcomes. By combining predictive insights with governance controls, we are redefining collection strategies to be more effective, adaptive, and responsive to customer engagement.”
On April 28, 2025, Poonawalla Fincorp share price (NSE: POONAWALLA) opened at ₹369.00, down from its previous close of ₹380.40. At 1:41 PM, the share price of Poonawalla Fincorp was trading at ₹383.20, up by 0.74% on the NSE.
Also Read: Poonawalla Fincorp Launches Consumer Durable Loans and Digital EMI Card!
With its risk-first approach, Poonawalla Fincorp continues to innovate and simplify the lending process. The integration of AI technology in debt management not only improves efficiency but also elevates customer engagement and satisfaction, ultimately reinforcing the company’s commitment to delivering better financial experiences.
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Published on: Apr 28, 2025, 1:46 PM IST
Nikitha Devi
Nikitha is a content creator with 6+ years of experience in the financial domain. Specialising in personal finance, investments, and market insights, Nikitha simplifies complex financial topics, making them accessible to readers.
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