Every lead answered. The right ones to your team.
AI agents pick up every loan enquiry — on your website, WhatsApp, or telephony — within seconds, ask qualifying questions, and route only genuinely qualified leads to your relationship managers with a complete file.
What breaks without governed AI
Leads go cold before anyone answers
A loan enquiry submitted at 9 pm or on a Sunday sits until Monday morning. By then the borrower has already spoken to a competitor. Speed-to-first-response is one of the strongest predictors of conversion.
RMs spend time on leads that were never going to convert
Without qualification before handoff, relationship managers spend hours on enquiries that don't meet basic eligibility. That time could go to borrowers who are genuinely credit-ready.
CRM records are incomplete after every call
When a borrower calls the main number, the RM or branch team captures what they remember. Loan purpose, income, existing obligations and requested amount are inconsistently logged — making pipeline reporting unreliable.
What the agent does, step by step
Every action is governed, logged and traceable. Your team stays in control at every checkpoint.
Website chat, WhatsApp, missed-call callback or inbound IVR — the agent responds within seconds, in the borrower's preferred language, at any hour.
Loan purpose, amount, employment type, income, existing obligations — the question set is defined by your product and credit team, not by the agent. Questions can differ by product type.
Based on your eligibility criteria, the agent scores the lead and either routes it immediately (with the completed profile) or nurtures it with follow-up questions if the borrower dropped off mid-conversation.
Every answer, every channel, every timestamp is written to your CRM before the RM sees the lead. The RM starts the conversation knowing who they are speaking to.
Leads that don't qualify now are not abandoned. The agent follows up at the intervals you set, answers questions about your products from approved content only, and never quotes a rate it has not been authorised to quote.
“Product claims come only from approved content. No mis-selling.”
The agent cannot quote rates, fees, or eligibility criteria that are not in your approved product documents. Every product claim has a source. Unanswerable questions go to a person.
The measures every pilot is judged on
We agree the scorecard before the pilot begins. No metrics are invented after the fact.
Lead response time
Time from enquiry to first agent response
Lead-to-application rate
Enquiries that reach application stage
RM time per qualified lead
RM hours spent vs. unfiltered lead volume
CRM profile completeness
Fields populated vs. total required fields
Lead drop-off recovery rate
Incomplete conversations recovered by follow-up
Compliance flags raised
Unapproved product claims attempted by agent
Sits on your stack. Reads and writes back.
Vaman connects to the systems you already run — reading context from them and writing every outcome back. No new data warehouse, no manual reconciliation.
See the full integration mapWhat people ask before they start
Fill your pipeline with leads that are ready to convert.
A readiness assessment gives you a prioritised use-case plan, a data readiness report and a pilot scope your board can approve — in three weeks, for a fixed fee.