Riverline – Empathy-driven debt collection in India
Imagine your next debt collection call starts with empathy, not a threat.
Talk to almost any lender in India, and you hear the same story.
Collections are expensive, stressful for the team, and dangerous for the brand.
For borrowers, it is worse: spam calls, pressure, and very little real help when they fall behind.
Riverline, a Bengaluru-based fintech, is trying to fix this.
They build AI debt counsellors that talk to distressed borrowers one-on-one, help them renegotiate realistic payment plans, and show what it would take to repair a damaged credit score.
On the lender side, the same agents handle thousands of calls in parallel.
They collect payments, capture intent to pay, and push real-time risk signals back into the lending systems, so human teams can focus on the tricky cases instead of every overdue bill.
In less than a year, their AI agents are already managing collections on more than ₹100 crore of non-performing loans every month for tech-first lenders like CRED, Freo, Nira, and Propelld, which is over $11M of bad loans under active AI supervision every single month.
Zoom out for a moment.
India's retail credit market is booming: more people are borrowing, more often, from more digital lenders than ever. In that world, how you collect matters as much as how you underwrite. Compassionate, AI-native collections can become a real moat: better recovery, better NPS, and fewer angry calls going viral.
Would you let an AI debt counsellor like this talk to your borrowers, or do you still trust only human collectors with a script and a phone?
#FintechOfTheWeek #RiverlineAI #debtcollection #India
Register and become part of the FinTech Builders Community. Join fellow innovators and see the value of being part of our community!
