Blog
AI agents for credit and collections
Writing for collections, credit, and lending operations leaders.
Reduce Cost to Collect — Without Cutting Recovery
How lenders reduce cost to collect and cut cost per completed contact without sending more of the portfolio to an agency. Keep early delinquency with your own team.
Improve Collections Efficiency: More Accounts, Same Team
How to improve collections efficiency: more accounts per collector, earlier contact, and higher capacity without a linear headcount line.
AI for Early-Stage Collections — Before the Account Hits an Agency
AI for early-stage collections keeps the customer relationship with your team. Reminders, first missed payments, and follow-up before the account goes to an agency.
AI Collections for Lenders and Fintechs — Not Invoice Chasing
AI collections for lenders and fintechs: consumer and small-business credit, voice and WhatsApp, policy you own. Not software for chasing unpaid invoices.
Intercobros scales collections without adding headcount
Intercobros runs a hybrid PathPilot voice agent plus human advisors: 9× more management capacity and +150% conversational effectiveness, without growing the floor at the same pace.
Kalicollect increases collections capacity 9× to take on more bank portfolios
Kalicollect went from a 20-person collections floor to two supervisors and 9× more capacity. Located with no agreement is up 20%, and recovery with follow-up runs around 30%.
UnoMotors books S/105,900 and collects S/41,129 in 30 days
UnoMotors booked S/105,900 in payment agreements and collected S/41,129 in 30 days on a S/924,000 book. Operating cost was S/6,490. The collections team is still 70% smaller.
The Proliferation of Voice AI in Collections Is Forcing a Governance Reckoning
Voice AI is moving into live collections. The risk is not the call itself. It is the missing system-wide governance that lets lenders prove control at machine scale.
Essential Strategies for Establishing a Seamless Collections Process Across Any Industry
A practical collections process for lenders: segment early, keep context across channels, and use AI agents before you send accounts to an agency.
Why AI in Collections Fails Without Control
AI collections software fails when lenders cannot see, constrain, or audit what the agent said. Control is the product, not the voice.