For lending and insurance Field sales, distribution and collections

What did your officeractually sayto the customer?

Groundsay is a small wearable for field staff at lenders and insurers. It records customer visits, with consent, so you can see how products are sold and how collections are handled, and fix problems before they become complaints.

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Collection visit · LucknowHindi Listening
Borrowerपिछली किस्त देर से भरी थी, इस बार भी थोड़ी दिक्कत है।I paid the last instalment late, and it’s difficult this time too.
Officerठीक है, पंद्रह तारीख को फिर आता हूँ।Alright, I’ll come back on the 15th.
SignalRepayment stressConductPolite, within hoursFollow-upRevisit on the 15th
Illustrative example
Field conversations happen in

Your system says “Promise to pay.” The visit told a different story.

Officers log the outcome, not the conversation. Hardship, pressure and missing disclosures stay invisible.

CRM record
Borrower
Sunita Devi, Lucknow
Visit
Logged ✓ 16:05
Outcome
Promise to pay
Amount due
₹2,400
Notes
“Customer will pay on the 15th.”
vs.
What was actually saidIllustrative example, translated
BorrowerMy shop was shut for a week, I can’t pay this monthHardship.
OfficerIf you don’t pay, I’ll tell everyone in your groupConduct risk.
OfficerI’ll come back on the 15thPromise.

What you will finally know.

The questions your risk, sales and collections teams ask every month.

Which borrowers are under stress?

Spot hardship in what borrowers say, before they miss a payment.

Is every collection visit done right?

See how each visit was conducted. RBI’s recovery rules from 1 January 2027 require recorded calls, but not visits.

Are disclosures being made?

Check that rates, charges and lock-ins are explained before the customer signs.

Is anyone promising what the product can’t give?

Flag talk of guaranteed returns or the wrong product for the customer.

Why are customers choosing another lender?

Competitor rates and offers, as customers describe them.

Which officers need coaching?

Real visits to coach from, not a checklist filled in later.

Zoom out from one visit to the whole company.

One visit tells you about one borrower. All of them together show you where stress is building and where conduct needs attention. Scroll down to see how.

Illustrative example · scroll to zoom out
  1. One visit (1 visit, illustrative): What happened at Sunita’s house? Her shop was shut for a week, so she can’t pay this month. The officer agreed to come back on the 15th.
  2. One officer, one week (24 visits, illustrative): What is Amit seeing? 6 of his 24 borrowers said they can’t pay this month. One visit went badly and needs a review.
  3. One branch (180 visits, illustrative): Is it just Amit? No. Across the Lucknow branch, stress is rising in two villages where the local market shut.
  4. One region (640 visits, illustrative): Is it spreading? Yes. In UP East, 4 branches show the same pattern since crop prices fell.
  5. The whole company (1,800 visits, illustrative): What should we do? Stress is rising in 9 of 12 regions. Reach those borrowers early, and check that every collection visit follows the rules.
What you learn

Her shop was shut for a week, so she can’t pay this month. The officer agreed to come back on the 15th.

One conversationBorrower mentioned repayment stress

Ask about your field. Get answers you can trace back.

Every answer links to the visits it came from, so compliance and sales can hear the moment themselves.

Which branches show rising repayment stress?
Example answer

4 branches in UP East. Borrowers there most often mention lower crop prices and a local market closure.

From these conversations
Officer 52LucknowHindiat 02:05
“Mandi band thi, kamai nahi hui.”
Officer 33SultanpurHindiat 01:40
Crop price fell, can’t pay in full
Officer 18BarabankiHindiat 03:15
Asked to pay half this week

Built for regulated selling.

Consent comes first, on every visit.

Customer consent on record

The customer agrees before anything is recorded, and the consent is saved with the visit.

Evidence when you need it

Show how a product was explained or how a collection visit went, if a complaint comes in.

Each person sees their part

Officers, managers, compliance and admins see only what they need.

Also built for.

The same platform, set up for how each industry sells.

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Questions people ask.

Short answers. Anything else, write to us.

What does Groundsay do for lenders and insurers?

It shows what is said on field sales and collection visits: how products are pitched, whether disclosures are made, where customers object or choose another lender, and which officers need coaching.

Does Groundsay help with mis-selling and complaints?

It flags conversations where a product may have been promised beyond what it gives, and keeps a record of how a product was explained or how a collection visit went, so you have evidence if a complaint comes in.

How is customer consent recorded?

The customer agrees before anything is recorded, and the consent is saved with the visit. Officers, managers, compliance and admins each see only what they need.

Which languages does Groundsay understand?

Groundsay is built for the way Indian field teams speak: Hindi, Hinglish, Marathi, Tamil, Telugu, Kannada, Bengali, Gujarati, Malayalam, Punjabi, Odia and English, including conversations that switch between languages mid-sentence. Every conversation is written down in English, next to the original.

Can we use Groundsay today?

We are early and inviting a few field teams to build it with us as design partners. Book a call or write to ishan@groundsay.com to talk about your team.

We’re looking for a few lenders and insurers to build this with.

If you run field sales, collections or distribution, we’d like to hear how you check what happens on visits today.

Book a 20-min call → or write to ishan@groundsay.com