Amit Kulkarni — Personal Loan

Caller: Ananya Sharma · Bajaj Refi – Existing Borrowers · 23 Oct, 14:02 · 12:04

CQS Breakdown

37/50

Opening & Identity9/10

Proper greeting + consent

Product Pitch Accuracy8/10

Moratorium clearly stated

Objection Handling6/10

Dodged KYC specifics

Next-Step Booking4/10

No firm slot committed

Mis-selling Risk10/10

Clean — no false promise

Why this call is recoverable

The customer asked for KYC specifics ("Aadhaar-linked KYC for Pune residents") — explicit next-step intent. Agent deflected and never followed up. Re-attempt with a verified KYC link should convert.

Transcript · agent ↔ customer

Whisper Turbo + WhisperX + pyannote

00:08 · Agent (Ananya)

Good afternoon sir, I'm calling from Bajaj Finance regarding your existing loan account. Is this a good time to talk for 2 minutes?

00:22 · Customer (Amit)

Haan, bolo. Bata do kya hai.

01:22 · Agent (Ananya)

Sir, we can look at a moratorium for the first three EMIs if the documentation is cleared by Friday.

02:44 · Customer (Amit)

"That sounds okay, but I need to know the specific Aadhaar-linked KYC process for Pune residents."

Evidence: High intent — asks for next-step specifics

03:05 · Agent (Ananya)

"I will have to check the regional circular and get back to you in an hour."

Evidence: Did not commit to a firm next-step time slot

05:18 · Customer (Amit)

Okay, please send the link on WhatsApp also na?

11:42 · Agent (Ananya)

Sure sir, will share by 4 PM. Thanks for your time.