EP953: Agentic AI: Revolutionizing Credit & Collections in the Age of Automation

Raj MKK, CEO of CreditNirvana.ai, discusses how agentic AI is reshaping the credit and collections cycle by replacing manual, fragmented workflows with autonomous, hyper-personalised recovery processes. Focusing on India and Southeast Asia, he highlights the role of multilingual voice intelligence in overcoming regional language barriers, improving compliance, and enhancing borrower experience. Raj also emphasizes the importance of bounded autonomy and human-in-the-loop governance to ensure trust and oversight in AI systems. As agentic AI evolves, it is transforming lending and collections, enabling real-time data-driven decision-making and integration of ESG factors into credit decisioning.