About

Built by collections people, for risk-averse lenders

KVJ Agile Care started from a simple frustration: most recovery vendors made lenders choose between performance and conduct. We refuse that trade-off — and we've built the operating model to prove it isn't necessary.

₹[X] Cr+Recovered for lendersacross secured & unsecured portfolios

[X]%Kept-promise ratepromises honoured by committed date

[X]KAccounts handled / monthpre-due through late bucket

0Compliance incidentsregulatory or conduct escalations to date

Why we exist

Recovery without reputational risk

Outsourcing collections has always carried a quiet fear: that an agent, on a bad day, says something that ends up in a complaint, a screenshot, or a regulatory notice. That fear is rational — and it's exactly what we engineered against.

We treat borrowers as your customers, because they are. Empathy-led scripts, enforced calling policy, and a recorded, QA-scored audit trail mean your brand stays protected while recovery improves. Compliance isn't our overhead — it's our product.

What we stand for

Principles we don't negotiate

Audit-grade operations

100% call recording, daily QA sampling against a conduct rubric, RBI-aligned scripts and a named grievance officer. Evidence, not assurances.

Native-language recovery, north & south

Telugu, Tamil, Kannada and Hindi-belt fluency under one roof. Borrowers hear their own language — recovery rates and brand safety both rise.

Trained, certified, accountable

Every agent clears conduct certification before touching a live account, recertifies periodically, and works under enforced calling policy — not memory.

Leadership

The people accountable for your mandate

Senior operators across governance, agent certification, and tele and field collections — every mandate we take answers to a named leader.

Anil Kumar K

Founder & CEO

Founded KVJ to end the false choice between recovery performance and conduct, drawing on years across retail lending and collections operations for banks and NBFCs.

Dhruba Chatterjee

CHRO

Builds and certifies the agent workforce — hiring, conduct training and recertification — so every voice on a live account is accountable, not improvised.

Laxmikant Vyas

Chief Advisor

Senior banking and governance advisor who guides KVJ on regulatory posture, risk controls and the standards lenders' audit committees expect.

Venkata Subramanya K

Head — Field Collections

Runs on-ground recovery for mid and late buckets — settlements, pre-legal coordination and field conduct, every visit logged and within policy.

Deepak Kumar Kala

Head — Tele Collections

Leads the multilingual calling floors with a QA-first model — script-governed, native-language calling that cures early delinquency without complaints.

Ready to see what disciplined recovery looks like?

Send us a portfolio snapshot. We'll come back with a realistic recovery estimate and a compliance walkthrough — no obligation.

Talk to us