AI agents for collections
An AI agent for collections that works the early book the way your best collector would — voice, WhatsApp, SMS, and email — then writes the result into the system you already run.
They trust us
Results
What it does
Notify, negotiate, follow through
Same case across voice, WhatsApp, SMS, and email. Files in. Dispositions out.
Campaigns
Preventive · personal loans
| Account | Amount | Date | Channel |
|---|---|---|---|
| 4821 · Ana R. | US$2,400 | 2026-03-12 | Thinking Voice 3 retries · 09–12 |
| 1904 · Luis M. | US$890 | 2026-04-02 | Thinking WhatsApp 2 retries · WhatsApp first |
| 7730 · Carla V. | US$5,100 | 2026-01-18 | Thinking Voice 4 retries · 18–20 |
| 2266 · Diego P. | US$320 | 2026-05-20 | Thinking SMS → voice 2 retries · SMS → Voice |
Promise to pay
Partial · FridayNext action
WhatsApp reminder · ThursdayWhy
PathPilot
Four things a collections leader can see on day one — not a category page.
Multichannel collections
The same case continues on voice, WhatsApp, SMS, and email. Your agents follow up on any channel. The borrower does not start over.
Ana R. · US$2,400
- VoiceIdentity and a plan
- WhatsAppConfirm the partial
- SMSReminder the day before
- EmailReceipt after payment
Promise to pay · same file
Learning
Agents learn from your supervisors’ feedback and from what actually recovered. The next contact uses the last result — not a static script.
Next-contact quality
0%Next-contact quality
LATAM and Latinos in the US
Built for the hardest books in this population: regional voices, WhatsApp-first habits, and objections generic bots miss.
LATAM · US
Technology transfer
We operate the agent first. Then we hand your team the keys, the policy, and the audit — so the capability stays with you.
Testimonials
We have only used PathPilot on the hardest book, about S/400,000 we were about to write off. With Jessica we started booking around S/30,000 in agreements a month: 7.5% monthly. We cut the collections team by 70%.
Henrry Rojas Collections coordinator, UnoMotors
Before, analysis for continuous improvement in collections and service was manual, which made it very hard to find scalable actions with immediate impact on results. With PathPilot’s Quality Agent, we now know exactly where to focus to improve.
Christelle Falcon C. Mattilda
With PathPilot, scale no longer depends on hiring, training, and supervising more people. We increased management capacity and reduced operating cost, without growing headcount at the same pace.
Fernando Bastidas Intercobros
Reminders and early overdue are now all handled by AI. That makes our operation more efficient and faster.
Felipe, founder of tu Kompa
With PathPilot virtual agents we can monitor the operation, evolve it, and take on new books with confidence. As we say: no fear of success.
Adriana Chacón, Kalicollect Solutions
Cost, efficiency, and early-stage
Reduce cost to collect
Lower cost per collection action — about −30% on live books — without sending more of the early book to an agency.
Improve collections efficiency
More accounts, same team. 9× capacity versus the floor the agent replaced. Collectors take the cases that need a person.
AI for early-stage collections
Preventive and first-miss work stays with you. 70%+ of early work kept in-house. Agencies take late and complex files.
For lenders and fintechs
Consumer and SME credit — voice and WhatsApp — not invoice DSO software. Banks, fintechs, and agencies.
Best voice agent for collections
Proprietary contact analysis picks the hour. Regional accent. Your phone numbers and call center.
Questions from collections leaders
What is an AI agent for collections?
An AI agent for collections contacts accounts across voice, WhatsApp, SMS, and email, negotiates payment plans inside your policy, logs promises to pay, and follows up. It is not a reminder blast or an IVR. PathPilot’s Collections Agent is trained on your scripts and writes results into your CRM or loan system.
How is this different from a generic voice bot?
A generic bot is a prompt and a minute rate. PathPilot configures and fine-tunes the agent with you, analyzes every contact to improve the next one, prices successful outcomes, and can transfer operation to your internal AI team.
Can we use it before sending accounts to an agency?
Yes. The Collections Agent is built for preventive and early-stage collections so you keep the customer relationship. Agencies still make sense for late or already-lost accounts.
Will our own AI team be able to run it later?
That is the point of technology transfer. We operate and improve the agent first, then train your team on policies, offers, objections, and flows, and connect to the models and infrastructure you already approve.
How does PathPilot price the Collections Agent?
You pay for the result of the engagement — a successful collections action — not for minutes or tokens. Non-effective contact and no-connect use a lower rate. Channels share the same prices.
What does the agent write back to our systems?
Dispositions, promises to pay, next actions, and the conversation record. Files in and files out, or APIs and webhooks into the CRM or core you already run. We do not replace your servicing stack.
How do we reduce cost to collect?
Pay for successful collections actions instead of idle minutes, keep early work in-house, and send only late or complex files to an agency. Live books show about −30% cost per action. Guide: https://www.getpathpilot.com/blog/reduce-collections-cost/.
How do we improve collections efficiency?
Work more accounts per collector, contact earlier, and stop restarting the case on every channel. Operators see about 9× capacity versus the team the agent replaced. Guide: https://www.getpathpilot.com/blog/improve-collections-efficiency/.
What is AI for early-stage collections?
An agent that works preventive and first-miss accounts on the lender’s channels so the file does not have to go to an agency for its first serious attempt. PathPilot is built so 70%+ of early work stays in-house. Guide: https://www.getpathpilot.com/blog/ai-early-stage-collections/.
Is this AI collections for lenders and fintechs?
Yes. PathPilot is for banks, fintechs, and collections agencies — consumer and SME credit — not invoice or accounts-receivable software.
Keep reading
Run the early book with an agent you can take over
We train it. You keep the policy, the audit trail, and the option to run it yourselves.