Use cases
Overdue payment collections
Contact customers with overdue balances and agree to a payment plan before the account reaches serious delinquency.
Tags
AI Agent
Outbound
Channel
Voice
Category
Collections
Industry
Retail banking
Lending
What it does
Overdue balances escalate the longer they go uncontacted. Manual outreach is slow, hard to scale consistently, and expensive to staff. With Gradient Labs, you can scale your outbound collections calls without scaling headcount.
The AI agent can reach out to delinquent customers with their overdue balance, work through their situation, and agree to a payment plan or date within pre-set parameters.
Customer guardrails ensure any detected vulnerability, disputes, or hostility are escalated safely. Accounts reach resolution faster, and fewer progress to serious delinquency.
How it works
Target specific customer segments based on delinquency stage and schedule calls for when customers are most likely to answer.
Once on the phone, the agent states the outstanding balance, verifies identity, and works out what's going on. If it's an oversight, it can waive late fees for same-day payment.
If the customer needs flexibility, it walks them through a repayment plan with frozen interest. Same-day payers get a payment link sent directly in the call.
You can specify your number of callbacks, whether or not to leave a voicemail, or reschedule a follow-up at the request of your customer.
See it in action
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