Tech-enabled debt recovery to improve collection efficiency

Spocto Score

In-depth customer behaviour assessment

Recommendation Guru

Harness the power of tech innovation in debt collection

Debt recovery,
and risk
mitigation,
reimagined.

Watch Intro

We are a full-stack AI-driven debt support and risk mitigation platform

experience simplifies, empowers and enhances your collection process throughout the debt lifecycle with best-in-class compliance. Our powerful, unified platform helps you streamline your resources and increase your collection rate by 20%.

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The Spocto Impact

USD 100 Bn

Volume Processed

61 Million

Accounts saved from going to NPA

54 Million+

Happy end-customers

USD 4.1 Bn

ECL Savings by Spocto

30+

Financial institutions trust us

10%

Increase in NPS

We are changemakers changing the industry one collection at a time. We are leveraging best-in-class, AI-powered technology to enhance ease of collection for lenders enhancing their efficiency and improving their NPA. The Spocto edge is helping lenders contain credit losses, thereby strengthening the financial system at large.

How it works

Products

We offer a wide range of products that

Provide deep analytical insights into customer behaviour
Provide easy-to-configure, no-code workflows
Establish seamless communication with customers across channels with a 360-degree view
Ensure complete adherence to the latest central bank regulations.

Connect

Customer contactibility enhanced on the back of API-based integrations

Recommendation Guru

Spocto Score

Early warning signals that save credit losses

Smart Legal

All things legal sorted in one-user friendly dashboard

Smart Settle

Restructuring journeys to maximise collection value

Pay Dues

Empowering borrowers by streamlining payment journeys

Field Plus

Field agents equipped with smart tools for efficient collection

Call Plus

Analytics-backed paring of agent with customer persona

Smart Collect

Proprietary machine-learning (ML) model to determine optimal action

Bhaasa

An NLP-powered bot with human-like engagement

Vigil

An industry pioneer in end-to-end compliance management across digital, call centre and field.

We are making a difference in debt recovery with

Better Collection Efficiency with lower NPAs and better collections

Best Compliance Standards that meet the world's gold standards

Superior Customer Satisfaction that enhances your NPS

Spocto
Innovation Lab

Innovation lies at the heart of everything we do. We are bringing together the best minds that are ideating, prototyping and scaling disruptive solutions in collections that are aimed to improving your collections journey.

By 2030, India is slated to be the third-largest economy in the world.

Efficient debt collection is key to reaching this goal.

Spocto plays a critical role by making debt collections fast, easy and humane with:

An effective and efficient debt-collection platform

The highest standards of compliance that works through the debt life cycle

Human compassion and dignity in all transactions