Verify Every Loan Application Automatically, Day or Night
Vistara AI calls each applicant within seconds of a new application, confirms their details in Hindi or English, and sends verified answers to your LMS or CRM before an underwriter opens the file.
Instant Callback on Application
A webhook from your loan form or LMS triggers the call within seconds, while the applicant still remembers applying.
Structured Verification Script
Confirms name, date of birth, city, employment type, monthly income and loan amount, and flags any mismatch with the application.
Round-the-Clock Queueing
Applications arriving outside your permitted calling window are queued and called at the next allowed slot, so none are missed.
Verified Data Back to Your LMS
Answers, recording, transcript and a verification status are written to the application record automatically.
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Most loan applications go cold in the gap between submission and the first call from your team. Applicants apply with several lenders at once, and the first lender to call and confirm details usually wins the customer.
Automated verification calls close that gap. Every applicant gets a call within seconds of applying, the basic details are confirmed and structured for underwriting, and your credit team only spends time on applications that are genuine and complete.
What a Verification Call Should Confirm
Keep the call short and aimed at the facts underwriting needs first. Anything that needs documents or judgement belongs in the next step, not on the phone.
- Identity and intent — Confirm the applicant is the person who applied and still wants the loan. This alone removes a large share of fake and accidental applications.
- Employment and income — Employment type, employer or business, and monthly income, checked against what was entered on the form.
- Loan need — Amount, tenure and purpose, so the application is routed to the right product and credit team.
- Existing obligations — Current EMIs and other active loans, which affect eligibility before a bureau check is even run.
- Best time for follow-up — When the applicant can take a call from a loan officer, so the human follow-up connects first time.
Configuring Verification Calls Responsibly
Verification calls go to people who have just asked you for credit, which makes them welcome, but they still need the same care as any lending communication.
- Calling windows — Set the hours during which calls may be placed; applications outside them are queued rather than dropped.
- Clear identification — The agent names your company and the application at the start of every call.
- No sensitive data over voice — Do not ask for full account numbers, OTPs or passwords on the call. Those stay in your secure application flow.
- Audit trail — Every call is recorded and transcribed and linked to the application for later review.