Digital collections, field recovery and legal workflow solutions
KEYNOTE DIGITAL PROCESS PVT.LTD.
A technology-led operating model for loan collections: omnichannel borrower outreach, calling operations, field collections, legal notice workflows, analytics, payments, settlements, repossession, and skip tracing.
AI/ML insights
Omnichannel communications
Field + legal operations
Collections Command
Platform preview
Resolution
80%
Connect lift
47%
Cost drop
40%
Risk segmentation
Sample
Field route
Sample visit plan
60Mn+ retail loan accounts handled
125Customers across lending segments
18Mn+ unique borrowers supported
60Mn+ monthly digital communications
Partners and client segments
Built for lenders across the collections ecosystem
The source deck highlights work across banks, NBFCs, fintech lenders and ARCs, with PSU empanelment and large-scale operational coverage across India.
PSU and enterprise associations
Empanelment and operating experience
Information represented in the deck includes associations with major public-sector and financial institutions.
SBI
Indian Bank
Bank of Baroda
UCO Bank
Bank of India
Bank of Maharashtra
SBI Cards
Global Bank Shared Services
HDFC Bank
Mahindra Finance
Platform capabilities
One operating layer for collections teams
The platform combines digital communication, calling, field recovery, legal workflows, analytics, payments, settlement controls, and repossession tracking into one controlled workflow.
Communications
Omnichannel borrower outreach across SMS, email, WhatsApp, IVR, OBD, chat, voice bot, and digital notices.
Dialer
Cloud calling with click-to-call, autodialer, predictive dialing, recordings, dispositions, and live monitoring.
Field Collections
Mobile-first FOS workflows with geo-tagging, route planning, live tracking, e-receipts, and visit evidence.
Legal Workflows
Physical and digital legal notices, arbitration, mediation, litigation tracking, case updates, and dashboards.
Analytics
Risk segmentation, borrower responsivity insights, ideal contact time, preferred channel, and portfolio reporting.
Payments
Personalized payment links, digital repayment journeys, e-mandates, reconciliation, reminders, and payment alerts.
Collections as a Service
Technology plus trained operations
The service model supports banks, NBFCs, fintech lenders and ARCs with data-backed borrower strategies, trained agents, field execution, and legal escalation support.
Calling operations
Professionally trained agents, campaign controls, quality audits, call calibration, dashboards, and follow-up scheduling.
Digital collections
Multilingual communication campaigns with templates, automation, behavior analytics, and borrower-level journey tracking.
Field efforts
Certified FOS agents, route visibility, agent productivity tracking, evidence capture, deposit validation, and offline support.
Legal and skip tracing
Legal notices, online and offline dispute resolution, arbitration, mediation, alternate contact discovery, and case monitoring.
Visit status
Verified
Geo-fenced visits
Live route and evidence capture
Digital receipts
Instant borrower notification
Field app and supervisor view
Field collections with visibility, control and accountability
Field teams can manage visits, receipts, route plans, borrower scheduling, visit proof, integrated calling, deposit tracking, and payment restrictions from the same operating flow.
- Geo-tagging, geo-fencing, route planning and live agent tracking
- Receipt cancellation, modification and collection re-submission controls
- Virtual ID card, mobile masking, offline mode and visit evidence
- Supervisor dashboards for route history, idle time and productivity
Business value
Measurable outcomes across the collections journey
Indicative improvements collated from client observations in the source material.
Case study snapshot
Digital-first strategy for bank collections
A coordinated digital and calling strategy improved response rates, borrower-connect rates and resolutions while reducing calling cost.
92% resolutions achieved
45% higher response rates
47% higher borrower-connect rates
80% reduction in calling costs
Achievements and recognitions
Awards highlighted in the source deck
The original company profile includes multiple fintech, banking and innovation recognitions for debt collections technology, AI usage and product leadership.
IBS Intelligence Global FinTech Innovation Awards 2022
Best Innovative IT Deployment of the Year 2023
Business Mint Nationwide Awards 2022
Elets NBFC100 Leader of Excellence Awards 2022
Fintech India Innovation Awards 2023
Technoviti Awards 2023 by Banking Frontiers
IBSi India SLT 2023 loan collections platform recognition
Dun & Bradstreet India Start-Up 50 Trailblazer 2023
Loan collections journey
Right action at the right delinquency stage
The engagement model moves from low-cost nudges to high-touch communication, field efforts, legal escalation and dispute resolution as the account moves through buckets.
Pre-delinquent
Nudges, soft reminders, automated digital communication and payment journeys to prevent default.
Early delinquent
High-touch outreach, chatbots, voicebots, click-to-call and tailored borrower campaigns.
Escalation
Field collections, digital legal notices, skip tracing and stronger communication intensity.
Deep delinquent / NPA
Formal legal process, mediation, arbitration, litigation management and recovery tracking.
Governance and quality
Built for regulated collections operations
Training, audits, access controls and operational monitoring help teams run borrower engagement with consistency, transparency and compliance.
Quality audits
Random agent audits, short-call checks, call calibration, transparent interaction logs and daily, weekly and monthly dashboards.
Agent training
New hire training, refreshers, cross-training, process updates and collection guideline alignment.
Secure setup
Restricted premises, ID-based authentication, device controls, role-based access and data masking.
Field certification
DRA-certified agents, background verification, police verification and product-specific training.
Partner with us
Build a smarter collections operating model
Share your portfolio goals, borrower segments and operating priorities. The team can map the right mix of digital, calling, field and legal workflows.
Single platform control
Data-driven strategy
Domain-led execution