Chennai and New Delhi, India – January 2, 2026 – Spocto X, India’s leading AI-powered collections platform, today announced its partnership with Delhi-based NBFC Finagle Financial Services Pvt Ltd. This collaboration delivers a unified digital collections ecosystem designed to enhance Finagle’s operational efficiency through intelligent, data-driven workflows.
Finagle, which offers flexible financial solutions to retail borrowers, selected Spocto X for its proven domain expertise, scalable AI architecture, and ability to simplify complex collections processes. A key milestone of the partnership was the achievement of full integration and go-live within a remarkable 20-day period, demonstrating Spocto X’s capacity for swift and seamless deployment.
Through this alliance, Finagle will leverage Spocto X’s comprehensive platform to streamline operations, foster stronger borrower communication, and build a robust, future-proof collections framework. The integrated system combines Agentic AI-driven engagement, cloud calling, predictive dialers, real-time task automation, and automated settlement workflows. It is supported by an advanced CRM that provides a 360-degree borrower view, agent productivity analytics, and AI-led prioritization through a single interface.
Gaurav Kumar, CEO and Managing Director of Spocto X – A Yubi Company, stated, “Our partnership with Finagle reflects a broader shift in the industry as lenders move from seeking tools to seeking transformation. What truly excites us about this collaboration is its focus on long-term resilience and on creating systems that not only address today’s challenges but also anticipate tomorrow’s. As credit markets evolve and customer expectations rise, the real differentiator will be how intelligently and responsibly lenders connect with borrowers at scale. At Spocto X, we are committed to shaping this new era of collections by combining AI-driven insight with design that keeps people at the centre. Finagle’s vision and agility make them a powerful partner in building a more responsive, trustworthy, and future-ready credit ecosystem.”
A spokesperson from Finagle added, “As we scale, adopting a collections platform that combines speed with strategic intelligence was paramount. Spocto X distinguished itself with its clear vision and ability to transform complexity into executable workflows. This partnership strengthens our operational backbone and aligns perfectly with our commitment to responsible, technology-led growth.”
This partnership highlights the growing industry shift towards consolidated, AI-powered operational models, showcasing a practical blueprint for elevating efficiency across the collections lifecycle.
About Spocto X:
Spocto X, (A Yubi Company) is India’s largest end-to-end debt collections platform powered by Agentic AI, moving fragmented processes into an intelligent system that predicts risk, orchestrates engagement, and delivers measurable portfolio impact. Built by collections experts, it integrates seamlessly with lenders’ existing infrastructure to simplify the entire collections lifecycle with a connected borrower view. Managing 5.5 Cr+ monthly accounts and protecting 8.9 Cr+ borrowers from becoming NPAs, Spocto X helps lenders avoid ₹50,000 Cr+ in expected credit losses. Trusted by 60+ financial institutions across private banks, PSUs, NBFCs, fintechs, and supported by a growing MENA presence headquartered in DIFC, it is shaping the next generation of collections with borrower dignity at the core. Visit www.spocto.com to know more.
Media contact:
Sayanee Chatterjee | [email protected] | +91 9158836036
About Finagle:
Established in 2021, Finagle Financial Services Pvt. Ltd. is a Delhi-based NBFC dedicated to providing quick, convenient, and cost-effective financing solutions. They specialise in delivering customized financial assistance through a technology-enabled and customer-focused approach. Their portfolio covers a comprehensive range of products, including personal, education, business, commercial, secured, and unsecured loans, enabling them to support diverse credit requirements across customer segments.
