Skip to content
SPECIFICTION
Get listed

XpertCollection

xpertcollection.com

WebAPI
Visit xpertcollection.com
Spec score 6.9 #24 of 28 in Debt Collection Software

What it is

XpertCollection is a cloud-based debt collections platform for financial institutions, including banks, NBFCs, HFCs, ARCs, fintech lenders and MFIs. It covers digital outreach, tele-calling, field collections, legal notices and replies, payments, settlements and analytics. Outreach can use SMS, WhatsApp Business, email, RCS, IVR and voice bots, with models for selecting channels and contact times. AI features include risk and propensity-to-pay scores, call speech analytics, and legal drafts that qualified people review before dispatch. Field teams can log geo-tagged visits, issue digital receipts and reconcile cash. Compliance controls cover calling windows, contact-frequency caps, approved templates, do-not-disturb rules and dispute holds, with actions recorded in a time-stamped audit trail. Portfolios can be supplied by API or file and synced with loan management systems through API or secure file exchange. The platform can connect with telephony, payment gateways and UPI, SMS routes, WhatsApp Business and email. It reconciles payments while funds settle into the institution’s own accounts. Institutions can license the platform, use managed recovery services, or combine the two. Pricing is on request.

Spec sheet

Purpose
XpertCollection is an AI-powered debt collections platform for financial institutions including banks, NBFCs, HFCs, ARCs, fintech lenders and MFIs.Read 7 Oct 2026 · xpertcollection.com
Integrations
The platform can integrate with existing loan systems, telephony and dialers, payment gateways and UPI, DLT-registered SMS routes, WhatsApp Business and email providers.Read 7 Oct 2026 · xpertcollection.com
Security
The FAQ states borrower data is encrypted in transit and at rest, access is role-based with PII masking for agency users, and access and actions are logged.Read 7 Oct 2026 · xpertcollection.com
Compliance
The platform describes controls for calling windows, contact-frequency caps, approved templates, do-not-disturb and dispute holds, with touchpoints recorded in an audit trail.Read 7 Oct 2026 · xpertcollection.com
Support
The contact page lists phone support Monday through Saturday, 10:00–18:30 IST, and offers a demo request form.Read 7 Oct 2026 · xpertcollection.com
Headquarters
The listed office is in Gurgaon, Haryana, India.Read 7 Oct 2026 · xpertcollection.com
Founded
2011Read 28 Sep 2026 · xpertcollection.com
AI features
It uses propensity-to-pay and risk scores, best-time and best-channel models, AI-drafted legal documents subject to human review, and speech analytics on recorded calls.Read 7 Oct 2026 · xpertcollection.com
AI notice drafting
Generative AI drafts legal notices and replies to received notices, which qualified humans review before dispatch.Read 7 Oct 2026 · xpertcollection.com
Compliance controls
The maker says the system enforces calling windows, contact-frequency caps, approved templates, do-not-disturb rules and dispute holds, and records actions in a time-stamped audit trail.Read 7 Oct 2026 · xpertcollection.com
Data exchange
Portfolios can be ingested via API or file, and the platform can sync with a loan management system through API or secure file exchange.Read 7 Oct 2026 · xpertcollection.com
Deployment model
Institutions can license the platform, use managed recovery services, or combine both models.Read 7 Oct 2026 · xpertcollection.com
Digital outreach
Its outreach engine supports SMS, WhatsApp Business, email, RCS, IVR and voice bots, with AI-based channel and send-time prediction.Read 7 Oct 2026 · xpertcollection.com
Engagement models
Institutions can license the platform, use managed recovery services, or combine both.Read 7 Oct 2026 · xpertcollection.com
Field collections
The field collections app supports geo-tagged visits, digital receipts and cash reconciliation.Read 7 Oct 2026 · xpertcollection.com
Go-live
The maker says institutions typically go live in weeks and describes a demo using the prospective client’s portfolio as a 30-minute walkthrough.Read 7 Oct 2026 · xpertcollection.com
Payments
The platform orchestrates payments and reconciles receipts, while funds settle into the institution’s own accounts.Read 7 Oct 2026 · xpertcollection.com
Portfolio types
Supported portfolios include retail unsecured and secured loans, MSME and business loans, corporate exposures, microfinance and JLG portfolios, and acquired NPA pools.Read 7 Oct 2026 · xpertcollection.com
Pricing
Commercials are agreed in writing before go-live and may use per-account or volume-based SaaS licensing, success-linked managed-service fees, or hybrid structures.Read 7 Oct 2026 · xpertcollection.com
Recovery lifecycle
The platform combines digital outreach, tele-calling, field collections, legal notices, payments and analytics in one system.Read 7 Oct 2026 · xpertcollection.com
Recovery workflow
The platform covers digital outreach, tele-calling, field collections, legal notices, notice replies, payments, settlements and analytics.Read 7 Oct 2026 · xpertcollection.com
Tele-calling
The tele-calling suite includes predictive, progressive and preview dialing, call recording, speech analytics and automated calling-hour and frequency limits.Read 7 Oct 2026 · xpertcollection.com
Third-party agency access
Collection agencies and law firms can receive scoped logins limited to allocated accounts, with personally identifiable information masked according to the institution’s policy.Read 7 Oct 2026 · xpertcollection.com

Strong points and limits

Strong points

  • Covers digital, phone, field and legal workflows.
  • Includes compliance controls and a time-stamped audit trail.
  • Supports API and file portfolio exchange.
  • Offers licensing, managed services, or both.

Limits

  • Pricing is available only on request.
  • AI legal drafts require qualified human review.
  • Funds settle into the institution’s own accounts.

Who it suits

XpertCollection is aimed at financial institutions handling consumer, business, microfinance or acquired NPA portfolios, as well as institutions seeking managed recovery services. Its agency and law-firm access can be scoped to allocated accounts, with PII masking set according to institutional policy.

Verdict

XpertCollection brings multiple collections channels, compliance controls and payment reconciliation into one platform. Institutions should assess its integrations, engagement model and pricing through a demo request.

Where Specifiction places it

Alternatives to XpertCollectionAll alternatives →