Recovered · September to date

AED, across {{ rec.lenders }} lenders · {{ rec.accounts }} accounts resolved

Your share{{ rec.agency }}

NexGen share · {{ sharePct }}% of recovery{{ rec.nexgen }}

Platform fees this monthAED 0

Revenue-share plan: no subscription, no seat fees. NexGen is paid only from what you collect.

Daily recovery · last 30 days

15 AugRamadan window applied13 Sep

Recovery funnel · this month

By lender

Lender	Product	Accounts	Recovered	Resolution	Cost / resolved	Complaints
{{ r.name }}	{{ r.product }}	{{ r.accounts }}	{{ r.recovered }}	{{ r.resolution }}	{{ r.cost }}	{{ r.complaints }}

AI vs human · same rubric

	AI voice	Human agents
{{ p.label }}	{{ p.ai }}	{{ p.human }}

Needs attention

AI voice · {{ calls.length }} calls in flight

WhatsApp · conversational

Human floor · 46 agents

Agent	State	RPC today	PTP
{{ g.name }}	{{ g.state }}	{{ g.rpc }}	{{ g.ptp }}

Dispatch log · last minute

AllCan't payWon't payConfusedDisputingForgot 10,562 accounts · sorted by PTP probability

Borrower	Lender · bucket	Balance	Segment	Pickup	RPC	PTP	Kept	Hardship	Best window	Channel
{{ b.name }}{{ b.id }}	{{ b.lender }}{{ b.bucket }}	{{ b.balance }}	{{ b.segment }}	{{ b.pickup }}	{{ b.rpc }}	{{ b.ptp }}	{{ b.kept }}	{{ b.hardship }}	{{ b.window }}	{{ b.channel }}

{{ sel.id }} · {{ sel.lender }} · {{ sel.bucket }}

PTP probability{{ sel.ptp }}

Propensity to settle{{ sel.settle }}

Why · top three drivers

Best window · {{ sel.window }}

Channel affinity · {{ sel.channel }}

Treatment · {{ sel.treatment }}

BalanceAED 18,420

Bucket61–90 DPD

SegmentCan't pay · temporary

Consent · preferencesWhatsApp, Arabic, after 18:00

Policy packUAE CBUAE · Al Sahel v4

Timeline · one memory for every channel

{{ e.when }} {{ e.title }} · {{ e.who }}{{ e.body }}

Copilot · next best action

Offer a 6-instalment plan of AED 3,070 on WhatsApp tonight, 19:00–21:00.

Two promises kept on this cadence; salary lands on the 27th; hardship risk low but rising. Settlement authority for this lender allows up to 12 instalments and a 15% fee waiver.

Authorised offers · Al Sahel Finance

Settlementup to 25% off

Instalments3 to 12

Fee waiverup to 15%

Above authoritySupervisor approval

Scores

0.81PTP

0.66Kept

0.22Hardship

Salary week · Noor Pay · 1–30 DPD Draft v3 edited by Maryam K. · 12 min ago

Bandit · 3 variants

Draft in plain language

Canvas matches this text

Policy simulator · run against 5,120 accounts

412 contacts would be stopped before dispatch. Nothing in this draft violates the Noor Pay policy pack; the blocks are borrower-level caps and windows.

Bandit results · v2 live for 3 weeks

Variant	Share	PTP kept	Lift
WhatsApp 2 days before salary	58%	71%	+6.2 pts · 95% CI
WhatsApp on salary day	27%	65%	baseline
AI call, salary day evening	15%	63%	−1.8 pts · n.s.

Ahmed Al Mansoori ACC-44821 · Al Sahel Finance · outbound · {{ monDur }} Gulf Arabic · 94%

Policy gates

Sentiment{{ monSent }}

Intent{{ monIntent }}

Authority used6 of 12 inst.

Latency640 ms

Promise captured · structured

AmountAED 3,070 × 6First payment28 Sep 2026MethodBank transfer · link sent on WhatsAppWritten toAccount timeline · Payments · Lender view

My queue · 38 · by score

Noura Al Shamsi

ACC-44902 · Al Sahel Finance · 61–90 DPD · AED 27,600

Hardship · warm transfer from AI {{ wsDur }}

Context handed over by the AI

Borrower said her husband lost his job in August and she is supporting two children. She asked for time, not a discount. Identity and disclosure were completed by the AI at 14:28. No offer has been made yet.

Disposition

Outcome

Amount

First payment

Method

Notes · auto-summarised, edit before saving

Copilot

Compliance
Vulnerable-customer script applies. Do not mention legal action. Disclosure already given at 14:28.

Suggested next line
“I can put a plan in place that starts after October, and nothing will be sent to you before then. Would AED 1,150 a month work?”

Authority check
24 instalments exceeds 12 · supervisor approval required for grace period. Request now

PTP calculator

BalanceAED 27,600Instalments24Per monthAED 1,150Kept probability0.58

All · 41WhatsApp · 24Calls · 9Email · 5Disputes · 3

Khalid RahmanACC-47810 · Tamweel Auto · WhatsAppDispute · SLA 3d 21h

Contact on this account is frozen by policy until the dispute is answered. Payment reminders are blocked automatically; you can still reply to the borrower.

Collected this weekAED 912,400

Promises due this week1,204

Kept · broken · partial67 · 21 · 12 %

UnreconciledAED 14,210

Promise tracker · due next 7 days

Borrower	Lender	Amount	Due	Method	Status
{{ p.name }}	{{ p.lender }}	{{ p.amount }}	{{ p.due }}	{{ p.method }}	{{ p.status }}

Settlement builder · Rashid Al Ketbi · AED 61,300

Discount

Instalments

First payment

Fee waiver

Settlement amountAED 47,814

Authority · Al Sahel Financewithin 25% · no approval needed

Agency commission · 18%AED 8,607

Reconciliation · Al Sahel remittance 12 Sep

Lender file1,842 payments · AED 1,204,300

Matched1,831 · AED 1,190,090

Unmatched11 · AED 14,210

Commission due to agencyAED 214,216

NexGen share · {{ sharePct }}%{{ reconShare }}

Stopped before dispatch · this week

1,284

6.8% of planned attempts · every block logged with its reason

Registers

DNC register2,318 numbers

Consent ledger entries14,902

Vulnerable-customer flags96

Audit log · hash-chainedverified 14:30

Policy packs

Pack	Jurisdiction	Contact hours	Cap	Version
{{ p.name }}	{{ p.jur }}	{{ p.hours }}	{{ p.cap }}	{{ p.ver }}	{{ p.status }}

Complaints · SLA

Ref	Borrower	Lender	Subject	SLA	Owner
CMP-0412	Khalid Rahman	Tamweel Auto	Fee not disclosed	3h 40m	Hana M.
CMP-0409	Amal Saeed	Noor Pay	Balance after return	3h 55m	Compliance
CMP-0405	Zayed Al Marri	Al Sahel Finance	Duplicate late fee	2d 6h	Compliance

Evidence pack · ACC-44821 · Ahmed Al Mansoori

One PDF plus a ZIP of recordings and transcripts, each file hashed and listed in the manifest. Suitable for the lender, the regulator or a court.

Score bands · 100% of calls this week · 12,480

{{ b.label }} AI Human {{ b.pct }}

AI failure modes · named and counted

Failure mode	This week	Per 1,000	Trend
Wrong language or dialect	3	0.4	↓ from 7
Incorrect disclosure wording	1	0.1	flat
Balance stated incorrectly	0	0.0	—
Missed hardship cue	2	0.3	↑ from 1
Offer outside authority	0	0.0	blocked by engine

Supervisor review queue · 14 flagged

Call	Handled by	Lender	Score	Flag	Coaching note
{{ r.id }}	{{ r.by }}	{{ r.lender }}	{{ r.score }}	{{ r.flag }}	{{ r.note }}

Call review · CALL-88121 · Tariq S. · score 71

2:14 / 5:52

Disclosuregiven, 0:41

Tone and respectinterrupted borrower ×3

Offer accuracywithin authority

Hardship handlingcue at 3:10 not acknowledged

Disposition accuracymatches transcript

Auto-generated coaching note

At 3:10 the borrower said “I’ve been in hospital”. Pause, acknowledge, and ask whether she needs the hardship pathway before returning to the plan. Compare with CALL-88097 (AI, score 92) on the same account type.

Al Sahel Finance · portfolio windowServed by Al Wusool CollectionsSealed environment · read onlyLive · updated 14:32

Recovered · SeptemberAED 2,410,300

Resolution rate21.8%

Roll to next bucket11.4%

Complaints · open4 · 2

Policy blocks612

Your book by bucket

Bucket	Accounts	Balance	Resolved	PTP kept	Cure rate	Complaints
1–30 DPD	3,120	AED 9.4M	38.2%	71%	64%	1
31–60 DPD	2,377	AED 12.1M	24.6%	64%	41%	1
61–90 DPD	1,204	AED 8.8M	15.1%	58%	22%	1
90+ DPD	1,861	AED 31.6M	7.9%	49%	6%	1

Every number is a filter. Click a cell to see the accounts behind it; recordings and transcripts open in the evidence viewer.

Provision impact · estimate

AED 1.9M lower expected loss vs. roll-rate baseline this quarter.

From cure and roll rates on this book only. Model and assumptions exportable.

Recent evidence and reports

Weekly recovery report · 8–12 SepPDF · XLSX

Evidence pack · CMP-0405shared 11 Sep

Policy pack v4 · change logapproved 1 Sep

Remittance reconciliation · 12 Sep11 unmatched

Mobile web · white-labelled for Al Sahel Finance · OTP, no account

الساحل للتمويلعبر الوصول للتحصيل

أهلاً أحمد، رصيدك المستحق١٨٬٤٢٠ درهمقرض شخصي · الحساب المنتهي بـ ٤٨٢١

خطتك٦ × ٣٬٠٧٠ درهم

الدفعة الأولى٢٨ سبتمبر

التواصلواتساب · بعد ٦ مساءً

الاعتراض على مبلغ طلب مكالمة من موظف رفع مستندات تغيير اللغة أو وقت التواصل

إذا كنت تمرّ بظرف صعب، اضغط هنا وسيتصل بك شخص، لا نظام آلي. أحتاج مساعدة

WhatsApp · conversational self-service

Al Sahel Finance · CollectionsVerified business

Dignity by default

Arabic first, English and Urdu one tap away. OTP by SMS or WhatsApp, no password.

Every payment, plan change and preference writes back to the same account timeline the agents and the AI read.

The hardship link is on every screen and always ends with a person. Dispute filing freezes reminders automatically.

Real actions through the NexGen relay: AI voice, WhatsApp and telephony. Standalone shareable page: NexGen Resolve Live Demo.

Borrower phone or WhatsApp ⇄ Hamsa voice and conversational agents ⇄ NexGen edge on Cloudflare ⇄ policy engine, scoring and timeline ⇄ your dialer, CRM and lender files.

What the agency brings

Licence and lender contractsyours

Portfolio files · SFTP or APIweek 1

Dialer SIP trunk or softphoneweek 2

WhatsApp Business numberyours or ours

Commercial model · revenue share

Platform subscriptionAED 0

Seats, minutes, messagesincluded

NexGen share of recovery{{ sharePct }}%

Lender and borrower portalsno charge

Same model as Karam in hospitality: NexGen is paid from measured outcomes, attributed per account in this console. Placeholder percentage.

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