Every number verified.
Every account decided.
Before the first call.
Is the number live? Is it the borrower's? Hold or refer? Verdict answers all three on every account in the allocation — and hands you the file back in your own format. Nothing added to your records.
Request an AuditThree things are wrong with the allocation
before anyone dials it.
Ratios from the books we have analysed; rupees vary by institution. The Audit prints yours.
Verdict decides whether and how to reach — never what to offer.
One reach layer across the book. In bucket one it decides what stays with the centre; in the middle it sends field only where a phone cannot; on written-off pools it finds the borrower. Before the cycle ages, pre-due reminders are decided the same way. Refuse-to-pay and settlement offers are Decision Engine work.
Send the file. Get the verdicts. Run the campaign.
Your allocation file, in your format — account, customer name, every number you hold. Optionally your grievance, cease and legal lists.
Per number: live, the borrower's, confidence, rank. Per account: hold with a date, or refer. Back in weeks for the Audit; before day 15, every cycle, on the module.
Your dialler, your field, your agencies — fed the list Verdict produced. Outcomes return; the next verdict learns.
A one-time run, fixed fee: we replay six months of your referrals, or grade every number on one written-off pool. Findings and the Verdict File in weeks.
Runs on every allocation you send, before the day-15 referral point, every cycle. Priced per number graded. Nothing else changes in how you work.
What leaves, what comes back, what is kept.
Account reference, customer name, the numbers you hold. No PAN, Aadhaar, address or balance. SFTP or REST over TLS, India-resident.
Per number: live · the borrower's · confidence · rank. Per account: hold or refer, with a date and a reason. Your format. Nothing added.
Nothing. Inputs purged on return; verdict and confidence retained per your policy. Every file and every read in the audit log.
The lender is Data Fiduciary and determines the lawful basis for the processing. ShieldX acts only as a Data Processor, engaged under a valid contract — DPDP Act, 2023, s.8(2). We process what you send, for the purpose you state, and nothing else.
No borrower OTP. No Aadhaar. No confirmation call. How the verdict is produced stays inside ShieldX; the verdict and its confidence come to you.
Ask any collections partner three questions.
Which of these accounts paid without a visit?
Which of my four numbers is actually the borrower's?
Can you show me, per account, why it was dialled?