The co-workers
A workforce for the whole loan.
They run the lending operation end to end, in the customer’s own language.
What they are
Autonomous co-workers. You set the limits.
Karta are the autonomous co-workers of KrimOS, composed from validated primitives and configured in plain language, never coded by hand. You set how far each one runs on its own, in one of four modes: autonomous, oversight, copilot or human-in-the-loop, per workflow and per segment. A workflow shifts toward autonomy only as measured outcomes earn it.
The agent marketplace
A specialist for every part of the operation.
Browse the floor by stage. Each specialist is composed from validated primitives and runs in the mode you set. If the one you need isn’t here, compose it in Agent Studio.
Origination
From first enquiry to funds released.
Customer-facing
Eligibility & pre-qualification
Answers “what could I borrow?” with an offer checked before it is sent.
Application concierge
Walks applicants through applying, by voice or chat, in their language.
Lead follow-up
Re-engages started-but-unfinished applications across every channel.
Decision updates
Keeps the applicant informed through each step, in plain language.
Back office
Application processing
Intakes the application, captures the documents, assembles the file.
Broker & partner desk
Handles broker and partner queries and keeps their files moving.
Identity & onboarding
Verifies identity and clears screening before anything proceeds.
Agreements & disbursement
Generates the agreement, captures e-signature, releases the funds.
Underwriting & risk
The credit call, and the picture behind it.
Customer-facing
Information requests
Asks for the documents or details the decision still needs.
Offer & terms
Presents the offer and explains the terms, by voice or chat.
Decline support
Delivers the outcome with reasons, and the route to reconsider.
Back office
Borrower profiling
Builds the single borrower picture the decision rests on.
Score & signals
Assembles income, bureau and behaviour signals to inform your underwriting call.
Collateral & valuation
Orders and checks the valuation, and confirms security before funds move.
Underwriting assembly
Packages the file, checks and exceptions your underwriter signs off.
Fraud review
Flags forged documents and synthetic identities before a decision is made.
Servicing
Keeping every account current.
Customer-facing
Servicing support
Answers balances, payments and account changes, or hands to a person.
Proactive reminders
Pre-due nudges on the channel and timing each borrower responds to.
Self-service guidance
Walks borrowers through statements, payoffs and account changes.
Back office
Account maintenance
Processes changes, plans and account updates, end to end.
Payments & mandates
Runs billing, recurring debits and refunds across every rail.
Reconciliation
Matches payments to accounts and clears the breaks.
Collections & recovery
From the first missed payment to resolution.
Customer-facing
Early-stage collections
Reaches borrowers as they slip and follows each promise to payment.
Late-stage collections
Works deeper arrears with negotiated plans, within authority.
Payment arrangements
Sets up and tracks plans the borrower can actually keep.
Back office
Recovery & settlement
Models settlement options and works payoff and recovery through to closure.
Trace & locate
Finds current contact details for borrowers who have gone quiet.
Legal coordination
Coordinates legal and field recovery, every step inside the rules.
Closure & write-off
Closes the account: final payoff, security release and write-off.
Hardship & disputes
The sensitive cases, and the ones worth keeping.
Customer-facing
Grievances & disputes
Takes in complaints and disputes and keeps the customer informed.
Hardship support
Handles hardship conversations with care, by voice or chat.
Retention & win-back
Renewals and win-back, where a customer is worth keeping.
Back office
Dispute resolution
Investigates the case, applies policy, resolves it on the record.
Hardship & restructuring
Models restructures and concessions that genuinely fit.
Escalation handling
Routes complex and high-value cases to the right reviewer.
Risk & oversight
Watching the whole book, and proving it.
Customer-facing
Consent & preferences
Asks how and when each customer wants contact, and honours it.
Outcome follow-through
Confirms commitments landed and closes the loop with the customer.
Back office
Quality & QA
Reviews recorded conversations for tone and outcome, and coaches.
Portfolio monitoring
Watches delinquency, roll-rate drift, anomalies and fraud, flags early.
Compliance & audit
Keeps every action traceable and the operation ready for examination.
Reporting
Turns the record into reporting for ops, risk, compliance and the board.
Bureau & regulatory reporting
Files borrower data and statutory returns to bureaus and regulators.
Policy watcher
Watches regulator updates and drafts the rule change for your approval.
KYC refresh
Re-verifies identity and documents on schedule, so no file goes stale.
Agent Studio
Build a co-worker, no code.
Your team builds and tunes every co-worker in Agent Studio — its persona, its voice, even a video avatar, its workflow and its limits. No engineering ticket, no release cycle.
In Agent Studio
- Create a new co-worker: from scratch, or by cloning one and adapting it.
- Give it a persona: tone, manner and escalation style.
- Give it a voice, and a video avatar: how it sounds, and how it shows up.
- Design its conversation flow: the steps it follows, with branches and checks.
- Bind its skills and knowledge: the actions it can take and the policies it knows.
- Set its authority: how far it can act on its own before it hands to a person.
Capabilities
Every co-worker takes real action.
The same core abilities, whichever co-worker you put to work.
Take action
They complete the task itself: calls answered, documents produced, payments taken and reconciled.
Across channels
Voice, SMS, WhatsApp, email and chat, in one thread that remembers.
In the customer’s language
They meet people in their own language.
Within the rules
Every action clears the validation gate before it fires.
Hand off to a person
A warm transfer with full context, the moment it’s needed.
At any scale
Contact-centre scale, around the clock, without a queue.
The impact
What changes when they run it.
Scale without the headcount
The book can grow without the cost line growing with it.
Faster, every time
Applications, queries and resolutions move at digital speed.
Consistent and compliant
The same standard on every contact, and on the record.
Better recovery
More right-party contact and more cures, always within the rules.
A workforce that compounds.
Configured by you, governed by the runtime, and sharper with every interaction, so the operation improves the more it runs.
See Karta at work.
Run the whole operation on KrimOS, or layer it onto the systems you have.