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AI Agents for Credit and Collections
The AI Platform for Credit and Collections
PathPilot builds continuously improving AI agents for credit and collections. The agents learn from training feedback and production results, take automated actions in the lender's systems, and cover origination, servicing, and collections, so lenders recover more, decide faster, and stay in policy.
AI agents that automate your operations, learn from your team, and get better every time.
How the agents learn
Every PathPilot agent improves from two sources. From your team: ratings, corrections, plain-language policies, and simulated calls. From production: promises kept, payments made, contact timing and channel, completed applications, cases resolved without a person, and quality and compliance scores.
Changes inside your guardrails apply automatically; riskier ones wait for your approval. Every improvement is tested against the current version and only goes live if it performs better. Your data trains only your agents.
Automated actions
Campaign Autopilot builds, launches, and adjusts collections campaigns on its own. The agents also schedule follow-ups across voice, WhatsApp, and SMS, and escalate cases to your team or an agency with full context.
Watch the Campaign Autopilot launch
One platform, every lending workflow
PathPilot Origination Agent The PathPilot Origination Agent qualifies applicants, collects and validates documents, and connects to underwriting so lenders make faster credit decisions. It learns from completed applications, document errors, and where applicants drop off.
PathPilot Collections Agent The PathPilot Collections Agent is an AI agent for collections: it contacts accounts, negotiates payment plans in policy, logs every promise to pay, and runs the follow-up. It learns from promises kept, payments made, and the best time and channel for each customer.
AI agents for collections
What AI collections is
Reduce cost to collect
Improve collections efficiency
Voice AI collections
Best voice agent for collections
Voice agent for collections
AI for early-stage collections
UnoMotors customer story
PathPilot Servicing Agent The PathPilot Servicing Agent answers balance, payment, and account questions across voice, WhatsApp, and chat, takes the action in the lender's systems, and hands complex cases to people with full context. It learns from cases resolved without a person and customer satisfaction.
Questions from lending leaders
How does the PathPilot Collections Agent help us recover more at a lower cost? The PathPilot Collections Agent contacts more accounts without requiring proportional growth in headcount. It follows your negotiation policies, captures payment commitments, manages follow-ups, and escalates only the cases that require human judgment. Live books show about −30% cost per action and 9× capacity versus the team the agent replaced.
How do we reduce cost to collect and improve collections efficiency? Work more early-stage accounts in-house, pay for successful collections actions instead of idle minutes, and keep collectors on cases that need a person. Guides: https://www.getpathpilot.com/blog/reduce-collections-cost/ and https://www.getpathpilot.com/blog/improve-collections-efficiency/.
Can we use the PathPilot Collections Agent before sending accounts to a collection agency? Yes. The PathPilot Collections Agent is ideal for preventive and early-stage collections. You maintain control of the customer relationship while your internal team and collection agencies focus on complex or later-stage accounts.
How does the PathPilot Origination Agent help us make faster loan decisions? The PathPilot Origination Agent qualifies applicants, collects and validates information and documents, and connects with your underwriting or risk systems. This reduces manual back-and-forth, shortens decision times, and helps more qualified applicants complete the process.
How does the PathPilot Servicing Agent improve the customer experience? The PathPilot Servicing Agent resolves routine balance, payment, transaction, and account requests 24/7 across voice, WhatsApp, and other channels. It transfers complex issues to your team with the conversation history and customer context intact.
How do we keep quality and control as PathPilot agents learn? PathPilot scores 100% of interactions across your human teams, collection agencies, and AI agents. It detects policy violations, identifies coaching opportunities, and keeps a complete audit trail. The same scores feed the learning loop, so the agents improve toward your quality bar.
How quickly can we launch a PathPilot Agent? A controlled deployment can launch in days using a CSV and PathPilot's infrastructure. As the operation expands, the agent can connect with your APIs, CRM, payment systems, WhatsApp account, loan-management platform, or existing PBX.
Will PathPilot Agents work with our existing systems? Yes. PathPilot Agents can use your APIs, CRM, loan-management system, payment provider, ticketing platform, WhatsApp account, and PBX/SIP infrastructure. You can use your existing systems or begin with PathPilot's infrastructure.
How does PathPilot price its agents? Pricing is based on the operational work each agent completes. This may include successful collection outcomes for the PathPilot Collections Agent, processed applications for the PathPilot Origination Agent, or resolved requests for the PathPilot Servicing Agent.
How do PathPilot agents learn? From two sources. Training feedback: your team rates and flags conversations, writes corrections, edits policies in plain language, and rehearses the agent in simulated calls. Production results: promises kept, payments made, contact timing and channel, completed applications, cases resolved without a person, and quality and compliance scores. The agent turns both into concrete improvements.
What changes go live automatically, and what needs our approval? You set the guardrails. Changes inside them, like adjusting contact timing, cadence, or wording, apply automatically. Changes that touch policy, offers, or compliance wait for a person on your team to approve them.
How are improvements tested before they go live? Each improvement runs against the current version on live traffic. Only the version that performs better is promoted, and every change is versioned so you can see what changed, when, and why.
Is our data used to improve other customers' agents? No. Your team's feedback and your production results only improve your own agents. Nothing is shared with other lenders or pooled into a shared model.
What is Campaign Autopilot? Campaign Autopilot is PathPilot's new capability for collections. It builds, launches, and adjusts campaigns on its own, deciding who to contact, when, on which channel, and with which offer, and it learns from the results of every campaign.
Success Stories
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