Propensity to Pay
AI ranks every account by its likelihood to pay, and the best time and channel. Your managers set the strategy.
See how it worksIndustries · Financial Services · Collections workflow
Collect more, with the same team.
Your collectors give every account the same effort. We help them focus on the accounts most likely to pay.
The problem
Where the collections workflow slows down.
Delinquencies and account volumes are rising, and contact rules limit every call.
Prioritize
Queues are worked in the same order every day.
Reach out
Calls go out at fixed times, and many miss the right person.
Resolve
Payment plans and hardship offers are set up by hand.
Assist
Only a small share of calls are checked for compliance.
Reaching the right account first changes every step after it. That is where we start.
The workflow
One workflow, four agents, built one at a time.
A workflow is a chain of stages, and each stage needs its own AI agent. Collections has four stages, from ranking accounts to the call itself. We map the agent each stage needs with your team. We build the first agent, take it live, then add the next.
- 1
Map the workflow
We walk through each stage with your team and name the agent it needs.
- 2
Build agent 1 and go live
We build Propensity to Pay first, test it on past accounts and take it live.
- 3
Add the next agent
Each new agent reuses the same data, rules and templates, so it goes live faster.
The four agents in the collections workflow
Digital Outreach
AI sends reminders and offers by text and email, within templates your compliance team approves.
Payment Plans and Hardship
AI proposes plans and hardship options within your rules. A collector confirms each one.
Collector Assist and QA
AI summarizes the account before each call and checks every call for compliance.
Agent 1
Propensity to Pay
Every account ranked each morning by its likelihood to pay. Your managers set the strategy.
Models learn from your own payment and contact history. Contact limits and consent rules apply to every account.
Servicing, payment and dialer dataRefreshed overnight
Scoring modelRanks each account
Managers set strategyFor each part of the queue
Dialer and worklistsRanked queue ready each morning
- 1
Refresh
Account, payment and contact data update overnight.
- 2
Score
Scores each account's likelihood to pay, and the best time and channel.
- 3
Apply rules
Applies contact limits, consent and time-of-day rules.
- 4
Review
Your managers review the ranked queue and set the strategy.
- 5
Deliver
Sends the ranked queue to your dialer and worklists.
Contact rules apply to every account, and every action is logged.
Use cases
What connected account data makes possible.
Every contact and outcome is saved, for other teams to use. Each card shows the data it needs.
Self-cure detection
Find customers who pay late but reliably pay, and save collector time.
NeedsPaymentsContact history
Right-party contact
See which channels and times reach the right person.
NeedsDialer dataContact history
Collector coaching
Review calls and outcomes to share what works.
NeedsCallsOutcomes
Loss forecasting
Feed collections outcomes into portfolio loss forecasts.
NeedsLoansPayments
Portfolio-level performance and forecasts sit in Portfolio intelligence. Built on the customer and loan data foundation ›
Lenders and loan servicers
What this workflow can deliver
Typical results for collections, based on industry averages.
Typical
10%
Higher recoveries
Typical
20%
More right-party contacts
Typical
30%
Less collector time per account
Typical
Every call
Checked for compliance
We will add measured client results as the work goes live.
Questions
Questions collections leaders ask us.
Do we need all four agents?
No. Each agent works on its own. We map all four so they share data and rules. Then we build them one at a time, fastest payback first.
How do you stay compliant with collections rules?
Contact limits, consent and time-of-day rules apply before any contact. Your compliance team sets the rules, and every action is logged.
Does the AI contact borrowers on its own?
Only within templates your compliance team approves. Plans and offers outside your rules go to a collector.
Collections vendors sell AI agents. Why build ours?
Many lenders want one workflow across their own systems, models and rules. We build it on your cloud, and you own it.
Which systems do you work with?
Your servicing system, dialer, payment data and credit bureau feeds, through standard connectors.
Get started
Find where AI pays back first in your collections team.
4 minutes
AI Readiness Diagnostic
Ten questions about your data, systems and teams. You get a score and a clear place to start.
Take the AI Readiness DiagnosticDownload a sample report ›2 to 3 weeks
Data Readiness Assessment
Our data engineers score your data and give you a ranked plan for the first projects.
Book a Data Readiness AssessmentDownload a sample report ›5 days
AI Use Case Prioritization
Your AI ideas scored and ranked, with the right agent, model and size for each.
Book AI Use Case PrioritizationDownload a sample report ›