AI voice agents for debt collection
Reach every borrower before and after the due date in natural Thai, agree a payment date on the call, and give your collections team time for the cases that need a person.
Hear a collection call
Three moments from a real collections script, spoken by Gowajee Thai voices. Pick a moment, choose a voice and press play.
Listen to a collection call
NichaFemale voice
SupanneeFemale voice
SudaFemale voice
KanyaFemale voice
NarinFemale voice
NisaFemale voice
TasteFemale voice
BeerMale voice
ThaksinMale voice
ChakritMale voice
KritMale voice
SomchaiMale voice
สวัสดีค่ะ ติดต่อจากฝ่ายบริการลูกค้านะคะ โทรมาแจ้งเรื่องยอดค้างชำระงวดประจำเดือนนี้ จำนวน 3,250 บาท ไม่ทราบว่าสะดวกชำระภายในวันศุกร์นี้ไหมคะ
Hello, this is customer service calling about this month's outstanding instalment of ฿3,250. Would you be able to pay by this Friday?Where it helps
Most teams start with one stage of the collections cycle, then expand.
Pre-due reminders
Friendly calls a few days before the due date confirm the amount and the payment date, so fewer accounts slip into arrears.
Early-stage collections
Call every account in the first days past due, not just the ones your team has time for, and agree a payment date on the call.
Promise-to-pay follow-up
Check in before and after each promised date, confirm the payment went through and reschedule when plans change.
Hardship and dispute hand-off
When a customer cannot pay, disputes the debt or asks for a person, the call goes to your team with the full transcript.
Why personal lenders use Gowajee
What changes when every borrower gets the right call at the right time.
Reach every borrower, every cycle
Call the whole book on schedule, not just the accounts your team has time for.
Catch accounts before they roll
Pre-due and early calls reach borrowers while the balance is still easy to pay.
Free your team for the hard cases
Routine reminders and promise-to-pay check-ins run on their own, so collectors spend their time on hardship and disputes.
Know why borrowers pay late
Every call records the reason, from payday timing to hardship, so you can adjust timing and repayment options.
How a collection call goes
- Greets the borrower and confirms identityThe agent introduces itself as your company and checks identity before mentioning the account.
- States the amount and the due dateIn natural Thai, with names, baht amounts and dates read the way a person would say them.
- Agrees a payment dateOr captures why the borrower cannot pay yet, and offers the options you allow.
- Logs the result or hands offThe outcome goes to your CRM. Hardship and disputes go to your team with the transcript.
How we work with you
- Share the accounts and the rulesTell us the segments, the script you have approved, the identity check and when to hand off. Accounts come from a file upload or your collections system or CRM.
- We build and test the agentOur team builds the agent in the Gowajee Flow Editor and runs test calls with your team until the script, tone and hand-offs are right.
- Go live on your calling rulesThe agent calls within your calling hours and attempt limits, agrees payment dates and passes hardship and dispute cases to your team.
- Review and improve togetherPost-call analytics shows how every call went. We review the results with you and keep improving the agent.
What you get from every call
Post-call analytics records the fields your collections team works from, set up for your campaign. A typical set:
- Call outcome
- Promise to pay, paid, callback, wrong number, refused
- Identity verified
- Yes or no, before any balance was discussed
- Promise-to-pay date
- The date the customer agreed
- Amount promised
- Full or partial payment
- Reason for late payment
- Payday timing, already paid, hardship and more
- Hand-off needed
- Hardship, dispute or complaint, with the transcript
Outcomes are written back to your CRM or collections system.
“Chasing overdue payments and incomplete applications used to drain our agents. Now Gowajee handles both automatically. We recovered a surprising number of cases we thought were lost.”
Debt collection questions
Can Gowajee follow our collection policy?
Yes. Your compliance team specifies the calling hours, attempt limits, identity checks and approved script, and we build them into the agent. Every call follows that specification, and every call is recorded and transcribed so your team can check it.
What happens when a customer cannot pay?
The agent recognises hardship, disputes and requests for a person, and hands the call to your team with the full transcript, so the customer does not have to repeat themselves.
How does the agent verify identity before discussing a debt?
It asks for the details your team chooses, such as the last digits of an ID number or a date of birth, and only discusses the balance after the check passes.
Which stages of collections is Gowajee best for?
Pre-due reminders, early-stage collections in the first days past due and promise-to-pay follow-up. These are high-volume, repeatable calls where reaching every account makes the biggest difference.
How long does it take to launch a collections agent?
Most enterprise pilots go live within 2–4 weeks, depending on integration with your collections system or CRM. Our team builds the agent and runs test calls with you before launch.
Discover what Gowajee can do for you
See how Gowajee can help your team deliver better outcomes on every call, in Thai.
Book a demoOr email contact@gowajee.ai