UnoMotors recovers 7.5% a month from a book they were about to write off
UnoMotors finances motorcycles for independent workers in Peru. Agencies sent the book back. PathPilot trained Jessica, their collections agent, on their playbook. She now works the hardest accounts — about S/400,000 that was close to a loss — and books around S/30,000 in payment agreements each month.
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
The challenge
The same borrowers UnoMotors serves — independents, little collateral — were the ones agencies would not work. Traditional shops returned the book.
The team still could not cover the regular book and the hard one. The hard book does the most work and pays the least attention. They were about to write off around S/400,000.
The solution
PathPilot trained Jessica, a voice collections agent, on UnoMotors’ policy. She contacts the accounts that do not pick up, negotiates, and logs every agreement. One person now loads campaigns, reconciles daily payments, and takes the special cases Jessica opens.
Negotiation by days past due
- 1 missed installment: ask for payment or a partial.
- 2–3 installments: negotiate payment or a restructure.
- 4+ installments: settle the loan or recover the motorcycle.
- Special cases: hand off to the human collector.
The impact
In the first two months on that hard book, Jessica booked about S/30,000 in payment agreements a month — a 7.5% monthly pace on S/400,000. UnoMotors expects that to rise as customers see the system keep calling.
They cut the collections team by 70%. The remaining collector is not swamped: the agent does not tire, stall, or drop the contact work.
Every day they see real numbers: agreements, calls, and effective contacts. That report did not exist when the work was only human.
About this deployment
What book does the PathPilot agent work at UnoMotors?
The hardest one: roughly S/400,000 that would not answer and was close to being written off. That is the only book they have put on PathPilot so far.
Are the S/30,000 a month collected cash?
They are payment agreements Jessica books. UnoMotors reports about S/30,000 a month in the first two months, or 7.5% of that hard book.
How did the collections team change?
They reduced the collections team by 70%. One person now runs campaigns, reconciles payments, and works the negotiations the agent opens.
Work the book agencies send back
We train the agent on your policy. You keep the audit, the daily report, and the option to run it yourselves.