# craftAI

> craftAI (by Novura Labs Private Limited) is India's Agentic OS for Lending — an AI platform that automates loan origination, EMI reminders, debt collection, and borrower servicing for Indian lending institutions using intelligent voice AI agents and omnichannel outreach.

## Key Facts

- 500,000+ AI-powered customer conversations completed
- Clients include Aditya Birla Capital, ICICI Home Finance, Fedbank Financial Services, HomeFirst Finance, Hero Housing Finance, Manipal Fintech, SRG Housing Finance, Shubham Housing Finance
- Up to 40% improvement in recovery rates; 70% reduction in operational costs; 3x higher on-time payments
- 100% RBI compliant; all data hosted on India-based servers
- Founded 2024; headquartered in Bengaluru, Karnataka, India
- Legal entity: Novura Labs Private Limited

## Founders

- Shobhita Agarwal — Co-Founder & CEO; 13+ years in technology; ex-Head of Engineering at Prodigal (YC S18); ex-Amazon, Samsung
- Abhinav Garg — Co-Founder & COO; ex-Pixis AI (scaled to 2x DAUs, managed $10M+ ad spend); IIT (ISM) Dhanbad alumnus
- Sayandip Sarkar — Co-Founder & CTO; ex-Platform Engineering Lead at Prodigal (YC S18); ex-Skypoint (Deloitte Fast 500); LangChain webinar speaker; Hackernoon author on agentic AI

## Products & Capabilities

- **AI VoiceBot Calls**: ML-driven outbound voice agents for debt collection and lead generation that adapt tone and strategy in real-time
- **End-to-end Workflow Automation**: Connects conversations to actions across the full lending process — origination through collections
- **Omnichannel Outreach**: Coordinated outreach via Voice, WhatsApp, SMS, and Email
- **Lending Lifecycle Coverage**:
  - Origination: Lead Qualification Agent, Document Processing Agent, DSA/Partner Agent, PreSanction Advisor Agent
  - Underwriting & Risk: Risk Assessment Agent, Fraud Detection Agent, Underwriter Copilot
  - Collections: EMI Reminder Agent, Collections Agent, Payments & Reconciliation Agent
  - Servicing & Retention: Customer Service Agent, Cross-Sell/Upsell Agent, Human Telecaller Copilot, Disbursal Reminder Agent, Welcome/Onboarding Agent
  - Compliance & Audit: Compliance Monitoring Agent, Call Audit Agent, Reporting Copilot
- **Multilingual Support**: 10+ Indian languages — Hindi, Tamil, Telugu, Kannada, Malayalam, Marathi, Gujarati, Bengali, Punjabi, English
- **Real-Time Analytics**: Call metrics, payment intent scoring, promise-to-pay tracking, bucket-wise collection performance

## Blog & Technical Content

- [How to Build a Multi-Agent Harness That Reacts to the World](https://craftaihq.com/blog/harness) — Engineering: eight months, six iterations, and one rewrite of the heartbeat — the story of ALOHA
- [Why Multi-Agent Lending Breaks Between Interactions](https://craftaihq.com/blog/aloha) — Engineering: the ALOHA orchestration layer

## Contact & Links

- Website: https://craftaihq.com
- Book a demo: https://calendly.com/abhinav-garg-craftai/
- LinkedIn: https://www.linkedin.com/company/craftai
- Email: support@craftai.com
- Address: Kokarya Business Center, Jayanagar, Bengaluru, Karnataka 560041, India