Call-centre costs eat into thin margins
Micro-loans have small unit economics. Every hired agent, every retraining cycle, every shift extension chips away at portfolio profitability.
Helios × AjoCard
Recover more loans, one human conversation at a time.
Helios deploys AI voice agents that call every AjoCard borrower, negotiate repayment in their own language, and log every promise — purpose-built for agent banking and micro-lending across Nigeria.
Contact rate +45%
Reach borrowers across Lagos, Abuja and rural communities at the hours they actually answer — no shift limits, no callbacks lost.
Repayment +32%
Empathetic negotiation tuned to micro-loan and salary-advance borrowers, driving real promises and faster settlement.
Cost per recovery -55%
Scale collections across your entire loan book without hiring more field agents or call-centre staff.
Helios Dashboard
Borrowers reached today
12.4k
Promise-to-pay rate
68%
Naira recovered
₦94.2M
Recent borrower calls
ML
PromiseMicro-loan — ₦45,000
7 days past due · Promise logged for Friday
AL
NegotiatingAgent loan — ₦180,000
32 days past due · Restructure proposed
SL
PreventiveSalary advance — ₦25,500
2 days before due · Reminder delivered
Weekly loan recovery
+28% vs prior week
MonTueWedThuFriSatSun
Built for the realities of African lending
Micro-loan recoveryAgent network follow-upPromise-to-pay trackingRestructuring offersSalary advance remindersDefault preventionNaira-aware scriptingCBN-compliant playbooksMicro-loan recoveryAgent network follow-upPromise-to-pay trackingRestructuring offersSalary advance remindersDefault preventionNaira-aware scriptingCBN-compliant playbooks
The collections challenge
Your loan book grows faster than any call centre can keep up.
Helios turns mass follow-up into individual conversations — at the scale AjoCard needs to serve underbanked Nigerians without sacrificing borrower trust.
Borrowers spread across regions and languages
Your customers speak English, Pidgin, Yoruba, Hausa and Igbo — and answer at different hours. Human teams can't cover every borrower, every day.
Inconsistent collections hurt repeat lending
Aggressive or off-script calls damage relationships with borrowers you want back for their next loan. You need every conversation to sound like AjoCard.
Capabilities
You don't need a bigger call centre. You need smarter conversations.
Use Helios to make AjoCard's loan recovery more effective, more consistent, and more respectful of every borrower.
Capability 01
24/7 outreach in local languages
Reach every borrower at the hours they answer, in the language they prefer — without a single new hire.
- Thousands of daily calls across your loan book
- English, Pidgin, Yoruba, Hausa and Igbo support
- Evenings, weekends, market days — full coverage
Capability 02
Empathetic repayment negotiation
The agent adapts tone and offers based on each borrower's history, loan type and stated situation, lifting promise-to-pay rates.
- Personalised offers by loan size and risk segment
- Restructuring and instalment plans on the call
- Real-time intent detection and live escalation
Capability 03
CBN-aligned compliance & traceability
Every call is recorded, transcribed and tagged. Scripts respect Nigerian regulatory guidance and AjoCard's own brand standards.
- Full audio and transcript on every interaction
- Scripts aligned to CBN consumer-protection rules
- Audit-ready reports per borrower and campaign
Process
Launch your first AI collections campaign in days, not quarters.
Helios is designed to go live quickly with AjoCard's loan data, and improve outcomes with every conversation.
01
Connect your loan book
Sync borrowers via API or secure file. Segment by product (micro-loan, agent loan, salary advance), days past due and region.
02
Configure the playbook
Set tone, contact hours, restructuring limits and escalation rules. Pick languages per borrower segment.
03
The agent runs the campaign
The AI voice agent calls, negotiates and logs promises. It adjusts in real time based on borrower responses and field-team handoffs.
04
Track recovery live
Real-time dashboard with contact rate, promise-to-pay, naira recovered and cohort trends — broken down by product and region.
Outcome
Recovery +32%
Higher contact and better negotiation translate into materially higher naira recovered vs manual follow-up.
Outcome
Cost-to-collect -55%
Automate the volume so AjoCard's human team focuses only on complex restructures and high-value workouts.
Outcome
100% loan-book coverage
From a ₦5,000 salary advance to a ₦500,000 agent loan, every borrower gets contacted — no account left behind.
Use cases
Intelligent collections across every stage of the loan lifecycle
Helios adapts strategy to each borrower's situation, maximising recovery without breaking the relationship.
Pre-due reminders
Friendly Reminders Before Due Date
Call borrowers a few days before their instalment is due with a warm reminder and payment options.
Request DemoCustomer-service-first tone in the borrower's language
Clear amount, due date and pay-via-agent instructions
Up to 25% drop in first-day delinquency
Request demo
Recover more of your loan book with AI voice agents.
See how Helios can help AjoCard call every borrower, negotiate every plan and log every promise — across Nigeria, in every language, around the clock.