Collections calls that stay inside the rules
Payment reminders and promise-to-pay at volume, with DNC, consent and calling-window enforcement that blocks the call rather than flagging it afterwards.
Bring your jurisdictions. We show the gate blocking a call before we show you a dial.
Illustrative interface. Account counts, suppressions and windows are sample data, not a performance claim, and not legal advice about any jurisdiction. The screen shows an OptiML pre-dial compliance gate for a collections campaign: a loaded list reduced by do-not-call suppression, missing consent and contacts outside their local calling window, leaving the accounts cleared to dial, alongside the open calling window, the attempt number and a note that a detected dispute transfers to a human.
Load, gate, call, write it back
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Step one
Load the delinquency list
Amounts, due dates and contact preferences, imported or synced from your collections system. Duplicates are detected on import, so one account is never worked twice in the same cycle.
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Step two
Configure the compliance gate
DNC sources, consent requirements per channel, and calling windows per jurisdiction. Windows are evaluated in the contact's own timezone against local public holidays, and the gate runs before the dial.
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Step three
Deploy the agent
It confirms identity, states the position, and takes a promise-to-pay or records a dispute. What it says is grounded in the wording you approved, with a citation behind every claim about the account.
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Step four
Escalate and reconcile
A dispute or a hardship signal transfers to a human immediately, with the transcript. Outcomes are written back to the collections system idempotently on the call ID.
Three things, and your jurisdictions
Jurisdiction is on the list because calling windows, consent rules and announcement requirements are all per-jurisdiction. The gate needs to know which one each contact falls under before it lets a call out.
- Your delinquency data. Amounts, due dates, contact preferences and the account identifiers you reconcile against.
- Your DNC sources. National, internal and client-supplied lists. All three are enforced together, not one at a time.
- Your jurisdictions. Which rules each contact falls under, so windows, consent and announcements resolve correctly.
This is product behaviour, not legal advice. OptiML enforces the rules you configure and keeps an immutable record of every call, every consent and every suppression. Which rules apply to your book is a question for your own counsel.
Early-stage on AI. Hardship on a person
A lender runs early-stage reminders entirely on AI in Hindi and English. Any dispute or hardship signal transfers instantly to a trained human agent. The machine handles the volume; the conversation that needs judgement reaches someone who has it.
The four checks that run before a number is dialled, and what happens when one of them fails.
| Check | What it reads | If it fails |
|---|---|---|
| Do-not-call | National lists, your internal suppression list, and any client-supplied list | The call is blocked and the reason is recorded |
| Consent | The consent register for this contact and this channel | Blocked. Consent captured on a later contact re-opens it |
| Calling window | The contact's own IANA timezone and local public holidays | Held until the window opens, then retried in order |
| Attempt cap | Per-campaign attempt limits and the backoff schedule | The account stops being worked in this cycle |
| Two-party consent | The jurisdiction's recording-announcement requirement | The announcement is generated and played before recording |
What an auditor asks for first
Immutable audit
Every mutation logged, per-tenant integrity proofs, signed exports and SIEM streaming. Retention is 30 days minimum, configurable per tenant.
Recordings under your keys
AES-256-GCM envelope encryption with per-recording keys wrapped by a tenant key, and consent captured on the call itself.
Scored, all of it
Every collections call is scored on 15 dimensions, including the compliance script, instead of a 2% sample chosen after the fact.
16+ compliance packs
Regional packs covering GDPR, TCPA, DPDP, PCI-DSS, FINRA and more, with per-tenant retention and residency in the region you choose.
The parts this runs on
Collections is the use case where the governance layer earns its place. All four of these are platform capabilities rather than a services engagement.
Dialer with compliance gate
DNC, consent and calling windows checked before the dial, not logged after it. Outbound & dialerMultilingual voice
20+ languages, 22 Indian languages through Bhashini, switching mid-call. Voice AISentiment escalation
Live sentiment on the floor, with listen, whisper and takeover when it turns. Supervisor ConsoleConsent recording
Consent captured on the call, recordings encrypted, erasure provable. Trust centreWe publish outcome figures only with the customer's written approval, so this slot stays empty until one is signed off. In the meantime the mechanism above is the honest version.
What runs on the same gate
Dial more, and dial the right ones
The same dialer and pacing, pointed at a sales list instead of a book. Outbound salesTell them before they call you
Due-date reminders on the channel each customer actually answers. Proactive notificationsCoach from every conversation, not from three of them
Score the compliance script on every call, human and AI alike. Quality and coachingThe platform underneath
Everything on this page is the OptiML CX Platform configured for Collections, not a separate product. These are the modules it leans on.
Watch the gate block a call
Send us a sample of your book with the jurisdictions on it. We load it, configure the gate, and show you exactly which accounts it refuses to dial and why, before we show you a single successful call.
- 30 minutes
- Your own list, your own rules
- No slide deck unless you want one
Book a demo
30 minutes, on your own content. No slide deck unless you want one.
Your details stay private. We never share them.
