CreditNirvana has launched Maestro, an AI Agentic Platform designed to automate the full debt-collection lifecycle across digital, voice, field, settlement, and legal workflows. The company said the platform brings together processes that have traditionally operated in silos, creating a unified operating layer for banks and non-banking financial companies.
According to CreditNirvana, Maestro uses multilingual GenAI-powered autonomous agents capable of planning and executing tasks across hundreds of micro-processes in real time. Early deployments have reported a 60–70 per cent reduction in human intervention and more than a 40 per cent increase in collection efficiency. The system also claims up to 95 per cent fewer language-based compliance errors through real-time voice intelligence and automated outreach.
With rising retail and MSME lending volumes and growing pressure to manage delinquency risk, financial institutions are increasingly turning to automated and AI-led systems for scale, accuracy, and governance. Maestro enables institutions to configure voice agents that interact in multiple Indian languages as well as global languages, including Bahasa, Spanish, Mandarin, and Arabic. The platform integrates sentiment and intent detection to support personalised borrower conversations and improved promise-to-pay outcomes.
“Collections have traditionally been fragmented across digital, voice, field and legal,” said Raj MKK, CEO, CreditNirvana.ai.
“With Maestro, we’re unifying all of these into one AI Agentic Platform that brings intelligence, empathy and compliance to every borrower interaction, from field collections and payment settlements to legal case management and repossessions,” he added.
Delivered as a SaaS solution, Maestro builds on CreditNirvana’s experience managing a portfolio exceeding $11 billion and more than 62 million accounts. The company plans to expand the platform with over 120 specialised agentic capabilities and more than 50 supported languages, with further extensions into adjacent segments such as insurance.
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