Poonawalla Fincorp Limited (PFL) has implemented an AI-powered debt management platform to streamline its collection processes, the company announced today.

The shares of Poonawalla Fincorp Limited (PFL) were trading at ₹378.10 down by ₹2.30 or 0.60 per cent on the NSE today at noon.

The new technology features an autonomous engine that analyzes customer interaction data across digital communications, tele-calling, and field operations. It employs over 100 micro-strategies tailored to customer profiles and communication preferences, reducing manual effort by 4-5 days.

PFL has also automated its channel allocation process, cutting the time from 3-4 days to under 3 hours for engaging with customers post-delinquency. The platform incorporates AI and machine learning predictive models that deliver 2-3 times sharper risk assessment compared to traditional methods.

“Our adoption of AI in debt management is about smarter, data-driven decisions that improve outcomes,” said Arvind Kapil, Managing Director & CEO of Poonawalla Fincorp.

The company has integrated GenAI-enabled automated call audit capabilities to monitor collection agents’ interactions, ensuring compliance with governance standards. These technological improvements have boosted efficiency over the past six months.

PFL, a non-deposit taking systemically important non-banking finance company registered with the Reserve Bank of India, operates across 18 states and 2 Union Territories. The company reported assets under management of ₹35,631 crore as of March 31, 2025, and employs approximately 3,590 people. Its financial services include various loan products such as pre-owned car finance, personal loans, and business loans.

Published on April 28, 2025