# SIM-based Call Management CRM for Loan DSAs & NBFCs
_URL: https://calliyo.com/industries/loan-dsa · Built for: Direct sales agents, loan officers, NBFC backoffice collections teams_

> Convert more lead lists into disbursals. Reduce delinquency on collection calls. Track every DSA's conversion and call quality.

## Overview
Loan distribution in India runs on call volume — DSAs work lead lists from 99acres / NoBroker / Paisabazaar, and every call is a chance to disburse. Calliyo gives DSAs an auto-dialer, gives DSA principals visibility into productivity, and gives NBFC collections teams a recorded, searchable trail for every conversation.

## Where loan dsas & nbfcs teams lose deals

### Wasted lead lists
DSAs buy 5,000-row lead lists and work the top 10%. The rest goes stale because manual dialing can't scale.

### DSA principal blind spots
Principals can't tell which agents are dialing and which are coasting. Some are doing 80 calls/day, some 12 — same payout structure.

### Collections friction
Customers don't pick up, agents stop calling, the bucket ages. By 60+ DPD, recovery is half.

### Compliance on collections
RBI tightens collection-call norms. Recorded calls without disclosure are a liability.

## How Calliyo fixes each one

### Auto-dial entire lead lists
Upload a CSV; agent presses dial-next. 200-300 calls per agent per day becomes routine.

### Per-DSA productivity dashboard
Calls per day, talk time, conversion to application, conversion to disbursal. Spot the slacker, double the closer.

### Collections call cadence
Tag each customer's bucket (0-30, 30-60, 60-90, 90+). Calliyo's recall queue is bucket-aware. 0-30 gets gentle reminder; 90+ gets the formal call.

### Mandatory recorded disclosure
Every outbound collections call plays the disclosure, records the conversation, and stores it under the customer ID — RBI-aligned audit trail.

## Common loan dsas & nbfcs use cases
- Personal loan / consumer durable DSAs
- Home loan agents
- Business loan / unsecured DSAs
- NBFC tele-collection teams
- Credit card sales agents

## A day with Calliyo
1. Lead list uploaded → agent presses dial-next; first call connects in seconds
2. Application captured live on the call; documents requested via WhatsApp
3. Customer rejected / deferred → tagged for follow-up cadence
4. On collections side, bucket-based recall queue dials customers in DPD order
5. Principal / collections head dashboard tracks contacts/day, PTPs, broken PTPs, recovery

## Frequently asked questions

**Is Calliyo compliant with RBI collection-call rules?**

Calliyo plays the disclosure, records the call, supports caller-ID showing the agency name, and stores recordings encrypted with audit logs. We're aligned with RBI's Fair Practices Code for outsourced recovery and the DPDP Act consent norm.

**Can DSAs use it on personal phones with their own SIMs?**

Yes — that's the design. Each DSA installs the Android app on their phone, uses their own SIM, and the calls are tracked by the DSA principal's account. Personal contacts stay private.

**How does it handle do-not-call / DND customers?**

Upload your DND list; Calliyo blocks dialing those numbers. New numbers can be checked against TRAI's DND scrub if your account is provisioned for it.

**Does it integrate with our LOS (loan origination system)?**

Calliyo syncs the call activity, recording link, and agent ID back to your LOS via webhook. Application capture stays in the LOS; the conversation history lives in Calliyo.

**What's the productivity uplift for collections agents?**

Tele-collections agents using Calliyo's bucket-aware queue typically dial 200-300 numbers a day vs 80-100 manually. Contact rate stays flat, but PTPs/day rises 1.5-2x.