- Your delinquent bookUpload or LMS feed, mapped once
- The strategy, drawn onceBuckets, channels, escalation
- Conduct rulesQuiet hours, caps, consent, DNC
- Your own credentialsTelephony, messaging, payments
CollectOS
AI agents that contact, resolve and evidence
- AI voice conversations10 Indian languages plus Hinglish
- Messaging that reports backSMS, WhatsApp, RCS and email
- Field visits with evidenceGeo-tagged, offline-first
- Promise to paymentLinks, UPI, NACH and PTPs
- Live performanceCohorts, roll rates, forecasts
- Evidence, already filedRecording, transcript, audit trail
Collections that run themselves, and can prove it.
attpro CollectOS is the AI collections operating system built by a 325-person collections floor for its own book. Upload the portfolio, describe the strategy once, and every borrower gets contacted, understood and resolved - inside RBI, DPDP and TRAI limits.
A working session on one cohort of your own book. No slideshow, no form in front of the product.
The operating record
The floor came first. The software came out of it.
Twenty-five years of receivables, stationed teams in six cities, and a live book worked for 24 named lenders, asset reconstruction companies and agencies. The platform runs that operation before it runs anyone else's.
25+
years in collections
Receivables management since 2000, secured and unsecured.
3.2 lakhplaceholder
cases a month
Handled across telecalling, digital and field in a representative month.
₹696 Crplaceholder
principal under management
Including work for two asset reconstruction companies.
325
on the floor and in the field
Stationed teams across 8 cities in west, south and north India.
Operating figures as at 2026; the full record is on the company page.
Live under ATTPRO
Collected for by the SFS group
The problem
A collections team is three systems and a spreadsheet
Not for lack of effort. The tools were bought one channel at a time, and the borrower's story fell between them.
Channels that do not talk
The dialer, the WhatsApp tool, the field app and the legal tracker each hold a piece of the borrower. Nobody holds the borrower.
Context lost between calls
The borrower explained everything on Tuesday. Thursday's caller starts from zero, and the borrower hears an organisation that does not listen.
Strategy in one person's head
The sequence that actually cures accounts is folklore held by your best manager. It leaves when they do, and it never scales past their team.
Evidence assembled after the fact
When the audit or the dispute arrives, someone spends a week rebuilding what happened from exports. The record should have existed already.
How it works
Four moves, then it runs
Nothing here is a professional-services engagement. A cohort can be live in an afternoon, and the strategy stays yours to change.
- 01
Bring the book
Upload a file or connect the loan management system. Columns are mapped once and remembered, and a dry run shows you what would change before anything commits.
- 02
Draw the strategy once
Buckets, channels, waits and escalation, on a canvas. The validator refuses to publish a strategy with an unhandled branch, so the graph is the whole policy.
- 03
The engine runs it, per borrower
Every account moves through its own journey, waiting on real signals: a delivery receipt, a disposition, a promise date, a payment. Conduct rules are checked at dispatch, not afterwards.
- 04
The evidence is already there
Recording, transcript, disposition and audit row land on the account as the work happens. When the dispute arrives months later, nothing has to be reconstructed.
- 01PortfolioLMS export in
- 02StrategyAllocation and flow
- 03ContactSix channels out
- 04ResponseDisposition, payment
- Response feeds back into strategy
- 10:02Call connected · Hindi
- 10:04Promise to pay recorded · 12 Aug
- 10:04Payment link sent
- 10:31Payment received₹4,850
- 10:31Account cured · evidence filed
The voice
Hear what a borrower hears
A collections call with judgement: it listens through interruptions, records a promise with a date, sends the link, and files its own evidence. Watch the compliance rail while it runs.
- Press playA two-minute collections call, compressed to twenty seconds.
The system
Every channel. One brain. One record.
Eight capabilities that behave like one product, because they are one product.
AI voice
Live, interruptible calls in 10 Indian languages plus Hinglish, with seventeen in-call tools.
Messaging
SMS, WhatsApp, RCS and email whose signals feed the flow.
Flow builder
The strategy drawn once, validated, and run per borrower.
Field operations
Offline-first visits with geo-tagged evidence.
Payments
Links, UPI, NACH, PTPs and a self-service portal.
Analytics
Cohorts, forecasts and performance on the live book.
Compliance
Quiet hours, consent and evidence, enforced by the engine.
Administration
Tenancy, roles, audit and data lifecycle for the platform team.
Working together
Three ways to work with us
The same platform and the same people, arranged around how much of the work you want to keep in-house. Commercials are quoted per portfolio in the proposal.
Managed recovery
You allocate the portfolio. We run telecalling, digital and field on our platform, with our people. Commercials on recovery.
- Allocate the book and read the reports
- Run every channel, every bucket, every city
- Buckets you would rather not staff
Platform licence
Most asked forYou run your own collections team on the ATTPRO platform, in your own tenant, with your own carrier and payment credentials.
- Run your team on the software
- Run the platform, onboarding and support
- In-house teams that need the software
Hybrid
Your team on early buckets, ours on the hard ones, both in one tenant with a single reporting line.
- Work the early buckets in-house
- Take the deep buckets and the field
- A phased transition, or a book with two shapes
The arithmetic
Model it on your own numbers
A calculator with every assumption visible and editable: book size, ticket, resolution rate, cost to collect. The result shows before we ever ask who you are.
- 1,800
- extra accounts cured a month
- ₹3.24 Cr
- additional recovery
- ₹54
- cost per account, from ₹120
The default worked example: a one-lakh-account book, ₹18,000 average outstanding, 12% resolution, +15% uplift. Illustrative, not a promise.
Open the calculatorQuestions
Asked on most first calls
Short answers here. The long ones are a demo away.
What exactly is attpro?
An operating system for collections. You upload your delinquent book, describe your recovery strategy once as a visual flow, and the platform contacts every borrower across voice, WhatsApp, SMS, email, field and a self-service portal - then feeds every outcome back into the strategy to decide the next step. Money and evidence come out of the same loop.
Who is behind it?
ATTPRO Business Solutions, a debt management company with twenty-five years in Indian collections, 325 people on the floor and in the field across eight cities, and a live book of asset reconstruction companies, NBFCs and lenders. The platform runs that operation first; lenders licence it to run theirs, or allocate a portfolio and let the floor work it.
Do you only sell software, or can you run the collections too?
Both. Managed recovery: you allocate the portfolio and our telecalling, digital and field teams work it on the platform, priced on recovery. Platform licence: your team runs on the software in your own tenant with your own credentials. Hybrid: your team on early buckets, ours on the hard ones, in one tenant with one reporting line.
Who is it built for?
Indian lenders and the teams that collect for them: NBFCs, banks, fintech lenders, ARCs and recovery agencies. The defaults assume Indian lending - DPD buckets, lakh and crore, UPI and NACH, RBI conduct expectations, ten Indian languages plus Hinglish.
Does it replace our LMS or core banking system?
No. Your LMS stays the system of lending record. attpro sits beside it as the system of collections record: a nightly export over SFTP is enough to start, and REST APIs with webhooks carry same-day state when you want it. Results flow back to your MIS.
How long does it take to go live?
Days, not quarters. Onboarding is a file-mapping session for your LMS export, provider credential setup, and a first flow built together. We recommend starting with one cohort and measuring against its own history.
Can an AI agent really hold a collections call in Hindi?
Yes - a live, interruptible conversation, not an IVR. The agent listens through interruptions, records promises with dates, sends payment links mid-call, and hands off to a human with full context when judgement is needed. The demo includes a live call to a test number in the language you choose.
How is borrower data protected?
Each lender's data lives in its own database schema, in India, encrypted in transit and at rest. Provider credentials are yours, support access is time-boxed and audited, and retention, erasure and legal hold are system properties built for the DPDP Act. The security page states the full posture, including what is certified and what is roadmap.
Bring one delinquent cohort. We will run it.
A demo here is not a slideshow. Pick a segment of your book, watch a flow built for it, and hear an agent call a test number in your language.