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Highvance

Rescue the applications that stall at KYC.

The agent calls applicants who stopped at the document or KYC stage, finds out what stopped them and sends what they need on WhatsApp. After approval, it follows cardholders through activation and first use.

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AI voice calls from ₹5 per minute. No platform fee.Get custom pricing based on your volume requirement
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Kabir
Loan qualification agent · Sahyog Finance (demo brand)
Language

Scripted demo: ask which documents you need. The agent is an AI.

Prefer your phone? Call [Public number]
Deepak M.
Highvance Brain · Financial services
Demo data
Consent
Monthly income
Existing EMI
Documents
Scoring after call

The memory card fills as the agent learns. The same record follows the customer to WhatsApp, email and chat.

Remembers for every customerDocuments receivedEligibility answersConsent

Demo agent shared with the Loans segment.

Where money leaks

The places financial services teams lose customers today, what the agent does about each, and what to measure once it is live.

No promised percentages. Every card ends with the number you should track in your own reports.

Reach out firstLoop closed

Applications that drop off at document or KYC stage

  1. What goes wrong
    Applicants start, reach a document or KYC step, and stop.
  2. What the agent does
    The agent calls, finds out what stopped them and sends the link or checklist on WhatsApp.
  3. Features it uses
    Calls triggered from CRM events or the APIWhatsApp after the callRetries
  4. What to measure
    Applications resumed and completed after a call.
Reach out firstLoop closed

Approved cards never activated

  1. What goes wrong
    The card is approved and delivered, then never switched on.
  2. What the agent does
    The agent calls to confirm delivery, explains how to activate and offers a person if the customer wants one.
  3. Features it uses
    CampaignsCall transferWhatsApp after the call
  4. What to measure
    Cards activated among customers called.
Reach out firstLoop closed

Low card usage after activation

  1. What goes wrong
    Activated cards are rarely used.
  2. What the agent does
    The agent calls with the benefits that match what the customer said they care about.
  3. Features it uses
    CampaignsCentral AI memoryObjection capture
  4. What to measure
    Card usage among called customers against those not called.
Reach out firstLoop closed

Good customers never hear about upgrades

  1. What goes wrong
    Customers who qualify for an upgrade or a second product are never asked.
  2. What the agent does
    The agent offers the upgrade and hands interested customers to your team.
  3. Features it uses
    CampaignsLead scoringCall transfer
  4. What to measure
    Upgrade conversations handed to your team, and upgrades completed.
Mumbai's lit business-district towers at night under heavy cloud, mirrored in still black water.

One record per customer: documents received, eligibility answers, consent.

Every loan lead gets a first call, with consent taken, before another lender reaches them.

Hear a real call

A recorded call from a Highvance agent. The transcript follows the audio. Tap any line to hear it.

On every financial services call the agent listens for

  • Documents received
  • Eligibility answers
  • Consent

Each answer is saved to the customer record with the moment it was said, then follows the customer to WhatsApp, email and chat.

Recorded call

[Recorded financial services call to be added]

A consent-cleared recording with its full transcript will appear here.

From first lead to reporting

Voice carries most of the journey. Each step names the feature doing the work.

AI voice agent · 5 of 9 stepsPlatform
  1. Lead arrives

    An aggregator, ad or website lead lands on the customer record with its source and campaign.

    • Lead attribution
  2. VoiceStep 2
    Checked before the call

    Calling hours, DND, consent and frequency limits are checked before the agent dials.

    Pre-call checks
  3. VoiceStep 3
    First call in minutes

    The agent introduces itself as an AI, takes consent and asks about income, existing EMIs and the loan needed.

    Outbound AI voice agent
  4. VoiceStep 4
    Eligibility check

    Answers are checked against your rules during the call, and the result is saved to the customer record.

    Live data lookup and CRM data extraction
  5. Checklist on WhatsApp

    The exact documents needed go out as a WhatsApp template filled from the call.

    • WhatsApp after the call
  6. VoiceStep 6
    Document reminder calls

    The agent calls back at the time the customer asked for, until the file is complete.

    Auto call-back and retries
  7. Handoff to a loan officer

    The score, answers, documents received and the full conversation reach an online officer.

    • Availability-aware routing with full context
  8. VoiceStep 8
    Early EMI reminders

    Before the due date and in the early days after it only. Sensitive cases go to a human.

    Campaigns
  9. Reporting

    Pipeline reports from lead to disbursal, with source and first-response time.

    • Pipeline reports and call logs
  1. Lead arrives

    An aggregator, ad or website lead lands on the customer record with its source and campaign.

    • Lead attribution
  2. VoiceStep 2
    Checked before the call

    Calling hours, DND, consent and frequency limits are checked before the agent dials.

    Pre-call checks
  3. VoiceStep 3
    First call in minutes

    The agent introduces itself as an AI, takes consent and asks about income, existing EMIs and the loan needed.

    Outbound AI voice agent
  4. VoiceStep 4
    Eligibility check

    Answers are checked against your rules during the call, and the result is saved to the customer record.

    Live data lookup and CRM data extraction
  5. Checklist on WhatsApp

    The exact documents needed go out as a WhatsApp template filled from the call.

    • WhatsApp after the call
  6. VoiceStep 6
    Document reminder calls

    The agent calls back at the time the customer asked for, until the file is complete.

    Auto call-back and retries
  7. Handoff to a loan officer

    The score, answers, documents received and the full conversation reach an online officer.

    • Availability-aware routing with full context
  8. VoiceStep 8
    Early EMI reminders

    Before the due date and in the early days after it only. Sensitive cases go to a human.

    Campaigns
  9. Reporting

    Pipeline reports from lead to disbursal, with source and first-response time.

    • Pipeline reports and call logs

How financial services uses the whole platform

Voice leads. Chat, CRM, automation, the team inbox and compliance all work on the same customer record.

See every voice feature

26 features across 6 groups

  • Outbound callsAggregator and ad leads called within minutes of arriving.
  • Qualification and extractionCredit score, income and existing debt answers saved to fields you define.
  • Document reminder callsCalls back until every document is in, at times the customer chose.
  • CampaignsPre-approved offer activation and card activation calls.
  • Early-stage remindersEMI reminders before the due date and roughly the first 30 days overdue only.
  • Call transferSensitive cases and ready applicants move to a person on the call.

  • WhatsAppDocument checklists, upload reminders and payment links for early reminders.
  • Website chatEligibility and document questions answered before the application.
  • EmailThreaded document requests and application updates.
  • InstagramAd comments and DMs turned into a call.

  • Custom fieldsIncome, existing EMI, loan amount, documents received and consent.
  • PipelinesLead, eligible, documents pending, submitted, approved, disbursed.
  • Protected fieldsFields such as recorded consent cannot be edited after creation.
  • Lead attributionAggregator, campaign, first-response time and owner per application.

  • WorkflowsMissing documents: WhatsApp reminder, then a call-back after the interval you set.
  • Workflow conditionsBranches on consent, DND, score, stage and replies.
  • AI Automation BuilderDescribe your lending process and it builds the pipeline and follow-ups for review.
  • FormsEligibility forms that update the customer record and start a workflow.

  • Availability-aware routingReady applicants go to an online loan officer, with backup owners.
  • Human handoff with contextOfficers get the conversation, history, memory and the reason for handoff.
  • Roles and permissionsStaff see only the applications their role allows, enforced server-side.

  • Pre-call checksCalling hours, DND, consent and frequency limits before every call.
  • Recordings and transcriptsEvery call stored with its transcript against the customer record.
  • Audit logEvery AI message, CRM change and assignment is logged.
  • Consent and compliance trackingConsent evidence tracked per customer.On request
  • Outbound message safety engineEvery automated message checked and blocked with a logged reason.On request

What our agent will and will not do

The agent handles pre-approval nudges, document reminders and early-stage soft reminders only (roughly the first 30 days overdue). It never handles late-stage or hardship collections. It respects DND, calling hours and consent. Sensitive cases go to a human.

What our agent will do

  • Pre-approval nudges.
  • Document reminders.
  • Early-stage soft reminders only, roughly the first 30 days overdue.
  • Respect DND, calling hours and consent on every call.

What our agent will not do

  • Late-stage collections.
  • Hardship collections.
  • Handle sensitive cases. They go to a human.
  • Pretend to be a person. The agent says it is an AI.

[Pending legal review]Wording to be confirmed before launch.

A call-taker in a headset at a contact centre, with a row of colleagues receding into soft focus.

The same customer record your front office fills, working for the back office too.

For the operations team

What happens after the first call, handled on the same record.

  • Document status at a glance

    What each applicant has sent and what is missing, updated from calls and WhatsApp.

  • Loan closure and NOC follow-up

    Calls and messages that close the loop on closures and no-objection certificates.

  • Source and officer reporting

    Which aggregator and campaign lead to disbursals, and each officer's pipeline.

  • Old recordings into data

    Past call recordings processed into transcripts, summaries and structured lead data.

    On request

Put your own numbers in

Your leads, your costs, your response time. The formula is shown and every assumption can be edited.

Open the full calculator

Financial services leads at risk

Example inputs, per month. Use your own.

%
₹
Estimated at risk each month
₹48,00,000

Value of applications that drop off. About ₹5.76 Cr a year.

3,000 applications a month
Drop-off
1,200 stall and drop off₹48,00,000 at risk
300 won back₹12,00,000

Recovering 25% of it is worth ₹12,00,000 a month.

Book a live demoOpen the full calculator

Assumes you recover 25%. These are examples, not benchmarks; change them in the full calculator.

Financial services questions

Ask the agent instead
It answers in Hindi, Hinglish or English, and it is an AI.
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Only early-stage soft reminders, roughly the first 30 days overdue, plus pre-approval nudges and document reminders. It never handles late-stage or hardship collections. Sensitive cases go to a human. [Pending legal review]

Calling hours, DND and consent are checked before every call. On the call, the agent says it is an AI and asks for consent, and the answer is saved to the customer record. [Pending legal review]

The agent sends a document checklist on WhatsApp and calls back until the file is complete. Your team sees what has arrived on the customer record.

The agent asks the eligibility questions you set, such as credit score, income and existing debt, and saves the answers. Any system lookup depends on the data sources connected during setup.

Leads from aggregators, ads, your website or your CRM. Calls start from CRM events, GoHighLevel tags, the API or manually.

Yes. All Indian regional & global languages are supported, including Hindi.

Hear an agent handle your kind of call.

Book a live demo. We hear your case, put an agent on your own scenario and show you the platform. Access is set up after the demo.

AI voice calls from ₹5 per minute.

Get custom pricing based on your volume requirement

What happens after you book

  1. A call to hear your case

    We call you to understand your leads, your call volumes and what you want the agent to handle.

  2. A live agent on your scenario

    You hear an agent handle your kind of call. All Indian regional & global languages are supported.

  3. A tour of the platform

    See calls, WhatsApp follow-ups and the customer record work together in the Highvance Brain.

  4. Next steps

    If it fits, Highvance sets up your access. There is no sign-up and no free trial.

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