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Nextbit Digitech Private Limited

Smarter collection strategies. Connected last-mile execution.

Nextbit connects AI-driven collection strategy , an AI-integrated dialer and N FieldOnline to manage the complete collection journey — from deciding the right action and reaching the customer to executing field visits and capturing every outcome in real time.

AI Strategy Engine AI Integrated Dialer FOS Field Execution Real-Time Outcome Tracking
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Built for Banks, NBFCs, Fintechs, Digital Lenders & Collection Operations.

Nextbit Collection Intelligence

Intelligence

AI Strategy Engine

Profile • Payment Pattern • Dialer Feedback • Bureau Score

Strategy

Next Best Action

Rule Based AI Based

N Dial

AI Integrated Dialer

Live calling & feedback

Telecaller

Customer Calling

PTP Callback Refusal

Mobile App

N FieldOnline

GPS Connected ● LIVE
Near Customer Landmark

Portfolio Data

Customer Intelligence

Nextbit connects portfolio data with an AI strategy engine, AI integrated dialer, telecallers and N FieldOnline GPS-enabled field operations to recommend and execute the right collection action.

Our products

One company. Three connected products.

Each one works standalone. Together, they cover the full collection lifecycle.

The collection operating system — strategy, AI, agencies, field officers and analytics in one place.

Explore N-Collect →

Calling and campaigns — agent and admin logins, campaign allocation and outbound dialing, built for collection teams.

Explore N Dial →

Mobile collection app for field officers with GPS-verified visits, customer location tracking, visit outcomes, PTP capture and instant sync with N-Collect.

Explore the App →
PRODUCT 01 — N-COLLECT Collection strategy & orchestration

One collection engine to decide, assign, execute and track every action.

N-Collect connects portfolio intelligence, collection strategy, calling, agencies and field execution in one operating layer. It helps teams decide the right next action, route accounts to the right channel and capture every outcome back into the customer journey.

N-Collect collection strategy and execution dashboard

What breaks without connected orchestration

  • No single view across calling, digital, agency and field channels
  • Accounts routed manually instead of by strategy
  • Calling outcomes disconnected from the next collection action
  • Field visits, PTPs and borrower interactions tracked separately
  • Limited accountability across agencies and field teams
  • Outcomes do not automatically drive follow-ups or escalations

One strategy layer. Every channel. Every action. Every outcome.

How N-Collect works

From collection data to recovery — and back to smarter decisions.

Every action generates an outcome. Every outcome helps improve what happens next.

Step 8 feeds back into Steps 2 and 3 — outcomes reshape the next round of strategy.

Strategy Builder

Build your strategy — or let AI recommend the next best action.

Collection teams can create rule-based strategies using portfolio and account data, while the AI Strategy Engine analyses customer behaviour, profile, payment patterns and bureau signals to recommend the most relevant collection approach.

Option 01

Rule-Based Strategy

Created by your collection team.

Account & portfolio variables

DPD 32 days
Outstanding ₹42,000
Product Personal Loan
Geography Delhi NCR
Balance Band ₹25K – ₹50K

Team defines

Route Priority Follow-up Escalation

Option 02

AI

AI-Driven Strategy

Recommended using historical and customer intelligence.

AI analyses

Dialer & Engagement Feedback

Callbacks • Refusals • Failed PTPs

01

Customer Profile

Salaried • Self-employed • Retired • Balance band

02

Payment Pattern

Past payments • PTP behaviour • Propensity to pay

03

Bureau Score

Credit bureau score & risk indicators

04

AI continuously evaluates the most relevant strategy.

Strategy
Engine evaluating…

Strategy Output

Recommended Next Action

Priority High
Recommended route AI Integrated Dialer
Customer approach Human Telecalling
Follow-up Today
If unresolved Assign to Field Officer

Available execution channels

Dialer Telecaller Digital N FieldOnline

Every customer outcome becomes new strategy intelligence.

Callbacks, refusals, PTPs and payment outcomes can feed the next AI recommendation.

Execution → Feedback → AI Strategy

Illustrative configuration shown for demonstration. Strategy outputs depend on configured business rules, available data and implementation.

AI Strategy & Intelligence

Build your own collection strategy — or let AI recommend one.

N-Collect combines business-defined collection strategies with AI-driven recommendations based on customer engagement, customer profile, historical payment behaviour, portfolio data and bureau signals.

AI

Intelligence Layer

How the AI Strategy Engine recommends a strategy

AI evaluates multiple customer and portfolio signals together to identify the most relevant collection approach and next action for each account.

01

Customer dialer-based segmentation

Uses captured interaction feedback such as call-backs, payment refusals, failed promises to pay and previous call outcomes to recommend the next collection approach.

02

Customer profile-based strategy

Tailors strategies using customer and account characteristics such as salaried, self-employed or retired profiles, product type and outstanding balance tiers.

03

Payment pattern-based strategy

Analyses previous payment behaviour, historical payment trends, PTP performance and propensity to pay to help determine the right collection action.

04

Bureau score-based strategy

Uses available credit bureau scores and risk indicators to further refine customer prioritisation, outreach method and collection strategy.

Input Intelligence

Profile + Payments + Dialer + Product + Bureau

AI Strategy Engine

Evaluates best-fit approach

Strategy Output

Channel + Priority + Follow-up + Escalation

Illustrative AI strategy models shown for demonstration.

Strategy 01

Team-Created Strategy

Defined using business rules.

R
DPD 32 Days
Product Personal Loan
Outstanding ₹42,000
Geography Delhi NCR

RULE OUTPUT

Telecalling → Follow-up → Field escalation

OR
AI POWERED

Strategy 02

AI-Recommended Strategy

Recommended using historical and customer intelligence.

AI

Customer Profile

Salaried • Product • Balance Band

Payment Behaviour

Payment history • PTP behaviour

Dialer Feedback

Callback • Refusal • Failed PTP

Bureau Signals

Score • Risk indicators

AI RECOMMENDATION

Priority call → Human interaction → Field action if unresolved

Teams can configure their own business strategies while AI provides an additional recommended strategy based on available customer and portfolio intelligence.

Illustrative workflows shown for demonstration. Strategy recommendations depend on available data, configured business rules and implementation.

AI-Integrated Dialer

Every conversation becomes strategy intelligence.

N Dial connects telecallers, AI voice and customer engagement directly with N-Collect. Every call outcome — from a callback or payment refusal to a PTP — can feed the AI Strategy Engine and help determine the next best collection action.

Customer → AI Dialer / Telecaller → Disposition → AI Strategy → Next Action
Telecaller using AI integrated dialer

Live Customer Call

Telecaller + N Dial

CONNECTED
PTP Callback Refusal No Answer
N Dial / AI Integrated Dialer
AI CONNECTED

Customer Account

Rahul Sharma

Product Personal Loan
Outstanding ₹28,500
DPD 42 days
Previous PTP Broken

CALLING…

00:00

AI Strategy Context

High priority account • Previous broken PTP

LIVE

Select call outcome

AI

After the call

Call feedback updates the strategy

The disposition becomes new customer intelligence and can influence the next collection action.

  1. ✓

    Customer timeline updated

    Call, notes and disposition are attached to the account.

  2. ✓

    AI customer profile updated

    Callback, refusal or PTP behaviour becomes part of engagement history.

  3. ✓

    AI Strategy Engine re-evaluates

    Latest interaction is considered alongside profile and payment history.

  4. ✓

    Next best action recommended

    Follow-up, repeat call, digital message or field assignment.

AI Recommended Action

Human follow-up today

Escalate to N FieldOnline if unresolved.

→

Try selecting PTP in the dialer.

Connected customer journey

Every conversation, commitment and payment in one place.

Rahul Sharma

Account #NC-4417

Outstanding₹10,000
Due date10 September
Days past due3
StatusPromise to pay

Next action

Follow-up on 13 September

  1. 10 Sep

    Payment due

  2. 10 Sep · 10:30 AM

    WhatsApp reminder sent

    Delivered, not read

  3. 11 Sep

    AI voice call

    Connected · 1 min 12 sec

  4. 11 Sep

    Promise to pay recorded

    ₹10,000 committed for 13 September

  5. 13 Sep · 9:00 AM

    Automated reminder triggered

  6. 13 Sep · 4:12 PM

    ₹10,000 received

    Matched to account automatically

  7. 13 Sep

    Collected ✓

Every action → one customer history.

N FieldOnline

Field collections with GPS-verified execution.

N FieldOnline connects field officers directly with N-Collect. Every assigned visit can be tracked through GPS, customer location and nearby landmarks, while visit outcomes, PTPs and follow-ups sync back to the same customer record.

9:41 LIVE

Mobile App

N FieldOnline

FIELD OFFICER

Today's Visits

12 Assigned

Completed

07 Visits

GPS Connected

Location verified

LIVE
●

Field Officer

Current Location

Nearby Landmark

Sector 62 Metro Station

Assigned Customer

Rahul Sharma

HIGH PRIORITY
Outstanding ₹42,500
Visit Task Payment Follow-up
Distance 350 m

Tap through a GPS-verified field visit →

FOS Field Execution

See what was assigned, executed and captured in the field.

N FieldOnline gives collection teams real-time visibility into field visits, borrower interactions, GPS verification, payment commitments and visit outcomes — all connected back to N-Collect.

LIVE Last-mile collection execution

Assigned Field Officer

Amit Kumar

Visit allocated through N-Collect

Customer Visit

Rahul Sharma

GPS verified · Borrower contacted

✓ GPS Verified Visit Time Captured Borrower Interaction Recorded PTP ₹20,000

Connected Last-Mile Workflow

From strategy assignment to next action.

01

Visit Assigned

02

Visit Executed

03

Interaction Captured

04

Outcome Synced

05

Next Action Triggered

Every field outcome — including borrower contact, PTPs, payments, exceptions and visit observations — flows back into N-Collect to support follow-ups, escalations and future strategy decisions.

Agency & Field Operations

Manage agencies, teams and field execution from one structure.

Allocate portfolios, assign field visits, monitor agency performance and track execution from agency managers to individual N FieldOnline officers.

Bank / NBFC
N-Collect

Portfolio allocation · Strategy · Agency routing

Illustrative metrics shown for demonstration.

CONNECTED COLLECTION WORKFLOW From strategy to last-mile execution

Connect every collection decision to what actually happens on the ground.

N-Collect defines the next action, agencies and field teams execute it, and N FieldOnline captures the borrower interaction and outcome so the next follow-up, escalation or strategy decision can happen automatically.

01

N-Collect

Strategy Created

The system identifies the right next collection action.

02

Allocation

Account Assigned

Accounts are routed to the right agency, team or field officer.

03

Planning

Visit Planned

The field visit is scheduled and made visible to the assigned officer.

04

N FieldOnline

Field Visit

GPS, visit time and field activity are captured during execution.

05

Interaction

Borrower Response

Contact result, borrower feedback, PTP, payment or exception is recorded.

06

Outcome

Outcome Synced

The result flows back into N-Collect and updates the customer journey.

07

Next Action

Follow-Up or Escalation

The next action is triggered based on the latest field outcome.

Complete execution visibility

What was assigned → What was planned → What was executed → What happened → What happens next

Operational Control

Track assignment, planning and execution in one workflow.

Real-Time Visibility

See field activity and borrower outcomes as they are captured.

Accountability

Know who handled the account and what action was taken.

Field Intelligence

Feed PTPs, payments, exceptions and observations back into strategy.

Real-Time Collection Intelligence

See what was planned, what was executed and what needs attention next.

Bring portfolio performance, calling outcomes, agency activity, field execution, PTPs and exceptions into one management view.

Total outstanding

₹0 Cr

Recovered

₹0 L

Visits planned

0

Visits completed

0

PTPs generated

0

Exceptions

0

Visit completion rate

80%

Successful contacts

74

Field collections

₹4.8 L

Escalations pending

4

Collection performance trend

Last 7 months

Where execution happens

Telecalling 38%
Digital channels 27%
N FieldOnline 21%
External agencies 14%

Field Execution Visibility

Planned activity vs actual field execution

Today's field activity

Assigned

120

Completed

96

PTP

18

Payment

₹4.8 L

Exceptions

7

Track what was assigned, what was actually executed, what outcome was recorded and where management intervention may be required.

All dashboard figures are illustrative demonstration values, not real performance data.

AI intelligence layer

Ask your collection operation what's happening — and what needs attention next.

Turn collection, agency and field execution data into actionable answers so managers can investigate performance, exceptions and missed execution without waiting for manual reports.

M

Why are planned field visits not being completed today?

Analysis

Field execution is below plan. Three contributors account for most of the missed activity:

Agency B
−12%
Region X
−8%
Reassigned
−6%

Suggested investigation

  • → Review Agency B visit completion
  • → Check unexecuted high-priority visits
  • → Review exceptions requiring reassignment
  • → Follow up on today's pending PTPs

Illustrative interface. Sample question and analysis.

Start every day knowing exactly what needs attention.

Instead of searching through spreadsheets, calls and messages, your team opens a clear action list.

0

High priority

Accounts needing action first

0

PTPs due today

Promises to confirm

0

Follow-ups required

Scheduled for today

0

Field visits

Assigned to officers

0

Unresolved

Needing a new approach

0

Recently paid

Closed in the last 24 hours

Illustrative queue values.

From fragmented collections to one connected operating system.

Traditional collections

✕Fragmented systems
✕Manual allocation
✕Static strategies
✕Dialer sitting outside the workflow
✕Paper-based field operations
✕Limited agency visibility
✕Delayed MIS and reporting
→

With N-Collect

✓One unified collection ecosystem
✓Rule-based automated allocation
✓Configurable strategy builder
✓Dialer connected to the account
✓Digital field officer app
✓Centralised agency management
✓Live operational intelligence

Everything your collection operation needs. Connected.

◎

Strategy builder

Design how each kind of account should be handled — by DPD, product, geography, amount or past behaviour.

DPD bucket Product Geography PTP behaviour Risk
⚘

AI strategy engine

Learns from collection outcomes so the next allocation is informed by what actually worked.

☎

Integrated dialer

Calling connected to allocation, dispositions and follow-ups.

◍

AI voice agent

Scale routine collection conversations, escalate the complex ones.

⑂

Next-best-action

Route each account down the path that suits it.

⌂

Agency management

Allocate, monitor and reallocate across external partners.

▣

Field officer app

Visits, outcomes and PTPs captured on the spot.

◫

Reporting & intelligence

Performance by agency, team, bucket, product and geography.

Enterprise ready

Deploy N-Collect the way your organisation requires.

Financial institutions have different security, regulatory, integration and infrastructure requirements. The deployment model shouldn't be the reason a platform doesn't fit.

☁

Cloud

⛨

Private cloud

▤

On-premises

◈

Hybrid

Designed around the principle that financial data should stay under the organisation's control.

Integrations

Connect N-Collect with your existing collection ecosystem.

N-Collect is designed to sit alongside the systems you already run, not replace all of them.

▦

Core lending systems

◉

CRM

▧

Payment systems

✉

Communication platforms

⛁

Data sources

⌸

Agency systems

Categories shown. Named integration partners will be listed once confirmed.

PRODUCT 02 — N Dial

Calling and campaigns, built for collection teams.

N Dial is Nextbit's calling platform — separate logins for agents and admins, campaign-based allocation, and every call outcome flowing straight back into the customer record it belongs to.

1

Agent & Admin logins

Separate access for calling teams and campaign managers.

2

Campaign-based login

Agents sign into the specific campaign they're allocated to.

3

Connected to N-Collect

Every call, disposition and PTP writes back to the same customer timeline.

Book an N Dial Demo
Product 03 — N FieldOnline

Field collections, connected in real time.

N FieldOnline is the mobile field collection app for officers handling customer visits on ground. It connects assigned accounts, GPS-verified visits, nearby landmarks, visit outcomes, PTPs and follow-ups directly with N-Collect.

GPS-Verified Visits

Capture field officer location before and during customer visits.

Customer Landmark

Show nearby landmarks to help confirm the intended visit location.

Visit Allocation

Field officers can view assigned customers and daily visit tasks.

PTP & Outcome Capture

Record customer meetings, commitments and visit outcomes instantly.

Real-Time Sync

Visit activity updates the customer record inside N-Collect.

Manager Visibility

Managers can monitor visit activity, outcomes and field productivity.

Field Workflow

Visit Assigned → GPS Verified → Customer Met → Outcome Captured → N-Collect Updated
9:41 ● GPS

N FieldOnline

Today's Visits

12 Assigned

GPS Connected

Location Verified

LIVE

Nearby Landmark

Sector 62 Metro Station

Customer location nearby

Assigned Customer

Rahul Sharma

HIGH PRIORITY
Outstanding ₹42,500
Visit Task Payment Follow-up
Distance 350 m

01

Field Visibility

Track assigned visits and Last-mile collection execution from one system.

02

Location Validation

Verify customer visits using GPS and landmark information.

03

Faster Updates

Capture PTPs and visit outcomes directly from the field.

04

Connected Strategy

Field outcomes can feed future collection strategy decisions.

Built for modern collection operations.

Designed for organisations running collections at scale across financial and receivable-driven portfolios.

Banks

Coordinate large in-house and outsourced collection teams under one structure.

NBFCs

Manage bucket-wise strategies across products and geographies.

Fintechs

Digital-first collections with calling and field as escalation paths.

Digital lenders

Handle high account volumes with automated allocation and follow-ups.

Collection agencies

Run allocated portfolios with telecaller and field team visibility.

Data → Intelligence → Action → Recovery

And then back again. Recovery outcomes become the input for the next round of intelligence.

01

Data

What N-Collect receives.

  • Customer accounts
  • Portfolio & DPD
  • Risk profile
  • Collection history
  • PTPs & payments
02

Intelligence

What it decides.

  • Strategy builder
  • Segmentation rules
  • AI learning from outcomes
  • Next-best-action
03

Action

How it reaches the customer.

  • Digital channels
  • Integrated dialer
  • AI voice
  • Telecallers
  • Field officers & agencies
04

Recovery

What comes back.

  • PTPs
  • Payments
  • Follow-ups
  • Escalations
  • Recovery results
↻

Recovery results feed back into intelligence — so tomorrow's strategy is shaped by what worked today.

N-Collect, explained simply.

One system connects the customer, collection team, AI, calls, field officers, agencies and management.

  1. 01A customer owes money.
  2. 02N-Collect receives the account.
  3. 03The system decides the right collection strategy.
  4. 04The customer is contacted.
  5. 05Their response is recorded.
  6. 06The next action is decided.
  7. 07Payment, field visit or follow-up happens.
  8. 08The result is measured.
  9. ↻The system learns what worked — and adjusts.
About Nextbit

Nextbit Digitech Private Limited

Nextbit Digitech Private Limited is a technology and collections-focused service provider dedicated to delivering innovative business solutions. As a supplier of services company, it specializes in technology-enabled operations, collection management, digital support services, and business process solutions. By combining technology with operational excellence, Nextbit helps businesses improve efficiency, enhance customer engagement, and drive sustainable growth — across N-Collect, N Dial and the Nextbit app.

Leadership

Built and run by people who've worked collections.

CF

Co-founder Name

Co-founder & CEO

Background, years in collections/fintech, prior companies.

CF

Co-founder Name

Co-founder & CTO

Background, years in collections/fintech, prior companies.

Ready to bring your entire collection operation into one system?

See how N-Collect can connect strategy, AI, calling, field operations, agencies and analytics across the recovery lifecycle.

Book a Demo Talk to Our Team

We'll get back to you to schedule a walkthrough.