CreditNirvana launches Maestro for AI debt collection

By Vriti Gothi

CreditNirvana, a Perfios company focused on AI-driven debt management, 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 says the platform aims to consolidate previously fragmented processes into a unified operating layer for banks and non-banking financial companies (NBFCs).

According to CreditNirvana, Maestro uses multilingual GenAI-powered autonomous collection agents capable of planning and executing tasks across hundreds of micro-processes in real time. The company reports that early deployments have delivered a 60–70% reduction in human intervention and more than a 40% increase in collection efficiency, supported by automated outreach, AI-driven voice engagements, and workflow orchestration. The platform also claims up to 95% fewer language-based compliance errors through real-time voice intelligence.

In a debt recovery environment historically challenged by linguistic diversity, manual call-centre dependencies, and stringent regulatory requirements, automated and AI-led systems are increasingly viewed as critical to scale and accuracy. With rising retail and MSME lending volumes in India and growing pressure to contain delinquency risk, financial institutions are seeking technologies that can improve efficiency while ensuring governance and borrower experience.

Institutions using Maestro can configure voice agents that interact in multiple Indian languages, as well as global languages including Bahasa, Spanish, Mandarin, and Arabic. The system integrates sentiment and intent detection to support more personalised borrower conversations and promise-to-pay outcomes.

“Collections have traditionally been fragmented across digital, voice, field, and legal,” said Raj MKK, CEO, CreditNirvana.ai. said, “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. It fundamentally transforms the economics, quality, and governance of the collections function.”

Maestro is delivered as a SaaS platform and builds on CreditNirvana’s experience managing a portfolio exceeding $11 billion and more than 62 million accounts. The company plans to scale the platform to over 120 specialised agentic capabilities and more than 50 supported languages, with anticipated extensions into adjacent segments such as insurance.