An Interesting Customer Story

“Send one of your people to our Mumbai office. Let me see what they can do, and then I'll decide.”

That was how our first meeting ended. We had gone to Gandhinagar to meet the CEO of an NBFC,1 for what was meant to be a one-hour conversation. It lasted three. We wanted to build their entire ERP, and after three hours we had no yes, only a challenge. We didn't even know what the test would be. We would only find out when someone got there.

The whole project now rested on one person passing a test nobody would describe. I talked my team into sending me.

I'll figure it out, I said

Two days without a laptop

I had nothing to prepare from: no requirements, no brief, not even a hint. I could read up on technology, but what about the business? Lending was a completely new world to me.

On my first day in Mumbai, the customer gave me one instruction: don't touch your laptop for two days.

a developer, no laptop, two days

So I sat with the team, one person at a time, and asked how they worked.


700 leads, one telecaller

I had come to talk about an ERP. On the third day, they handed me something else entirely.

They had a single telecaller, and one campaign could bring in around 700 leads in two days. How could one person keep up?

My first instinct was to automate the calling with AI. I knew it could never run entirely on its own, but the more I learned about what a telecaller actually does, the worse that idea looked. Replacing her would have been a mistake: qualifying a loan takes trust and judgment, and that has to stay with a person.

So the AI wouldn't replace her. It would find the best leads and hand them to her.

everything followed from this

What a good lead sounds like

To find good leads, I first had to understand what made one good. The person who knew was the telecaller, so I sat beside her and learned how she judged them. It begins with knowing who is on the line, and there are two kinds of caller:

  • A DSA, or Direct Selling Agent: a broker who brings in loans for other people and earns a commission.
  • A direct customer, who wants the loan for themselves.

I learned how commissions work, both one-time and recurring, and the lending policy behind them. Then I spotted a gap: there was no way to tell a DSA from a customer.

Asking directly can backfire. If the caller is a genuine customer, it leaves a bad impression. So the AI agent, whom I named Riya, would ask a few natural questions that bring out the answer. Here's that part of her instructions:

Do NOT ask "are you a DSA".Ask: "Aapko loan chahiye?"(Do you need a loan?)  For themselves → CUSTOMER  For someone else, ask:  "Wo aapke relative ya family hain, ya aapke client?"  (Are they a relative, or your client?)    Relative or family → CUSTOMER    Client, ask: "Ji, aap loan ka kaam karte hain?"    (Do you work in loans?)      Yes → DSA      No  → CUSTOMER

From there, a DSA takes one of two paths. An existing one shares their unique code, and Riya verifies it against the CRM during the call. A new one is registered on the spot, with their PAN2 and details.

CallerCallerCustomerQualify the loanDSAExistingCheck code live in CRMNewRegister PAN, name, city

Two kinds of caller, and what happens to each.

The tools came last. Frappe CRM is open source, so it became the home for every lead. For the voice I chose Sarvam, which handles Indian languages far better, and an NBFC's data has to stay in India.

For cloud calling I picked Vobiz over Exotel. Its minimum balance was ₹500 against ₹5,000, and for an MVP that was reason enough.

prove it first, then spend
Riya talks to the applicant and the CRM at the same time.

Teaching Riya to sound human

The logic was only half the job. The other half was making a call with an AI feel natural, and that came down to many small rules:

  • She says upfront that she's an AI agent and that the call is being recorded.
  • She blends English into Hindi, Marathi or Gujarati, the way people really speak. Pure Hindi sounds like a government announcement, and nobody translates loan, EMI or CIBIL.3
  • She always uses feminine verb forms: bol rahi hoon, never bol raha hoon. One slip and the caller notices.
  • She asks the questions that decide a loan first, because most people give an AI agent about five minutes.
  • She never claims a code was found unless the CRM actually returned it.
Callerमुझे अपनी दुकान पर loan चाहिए.
Riyaजी, समझ गई. Property किस city में है?
She answers in the caller's language. Tap one to try it.

Even punctuation mattered. Read aloud with dashes, a code comes out with the word “negative” between its characters, so she reads codes with commas.

A negative B negative
A campaign in the CRM, with Riya on a call. Names are made up.

Built around the telecaller

None of this helps unless the telecaller can act on it, so I shaped Frappe CRM around her work. Leads move through three stages, and the best ones stay at the top of her list:

  • AI-Qualified: a strong lead, ready for her.
  • Follow-up: needs a call from a person.
  • AI Follow-up: needs another call, and the AI can make it.
Every call lands in the queue with a score and a stage, then the list sorts itself.

When she opens a lead, she doesn't need to listen to a recording. The summary, the next step and the scores are waiting for her, and the full transcript is one click away.

crm / leads / Meera Shah
Leads / List / Meera ShahCall with AI AgentAI-Qualified
ActivityDataCallsTasksNotes
Details
Mobile
+91 98XXX XX210
City
Surat
Caller Type
Customer
Preferred Language
Gujarati
Employment
Self-employed
CRM-LEAD-2026-00412
MMeera Shah
AI Score
GradeHot
Next actionCall today and ask for the property papers.
Interest score88
Review score96
the whole call in one paragraph
what to do next
she knows where to start
click it
Click the AI Remarks card to read the call.

An AI to check the AI

Nobody can listen to every call, so I added one more layer to the CRM. A second AI reads each call, checks that Riya followed the process, and scores the lead.

The second AI checks the call line by line against the process.

Fifteen working days

I stayed in Mumbai for a month, and the MVP was ready in 15 working days. Then the customer saw it working.

“Fantastic work, in such a short time.”

The CEO gave us the go-ahead, and I came back to Ahmedabad with the project won. The customer who once asked to test one person went on to trust us with their entire LOS / LMS platform,4 and I lead that work with my team today.

I went to Mumbai with no brief and no preparation. What won the project began with two days of listening, to a team who answered every question and a telecaller who showed me what a good lead looks like.

still the best two days

Good systems aren't built from behind a screen. They start with listening to the people who do the work every day.

Footnotes

  1. A non-banking financial company: a lender that isn't a bank. ↩

  2. India's Permanent Account Number, a tax ID. ↩

  3. EMI is the monthly loan instalment, and CIBIL is India's credit score. ↩

  4. LOS is a loan origination system and LMS is a loan management system. ↩