Secure promises to pay

Proactively contact customers approaching delinquency, explain the consequences, and secure a payment commitment or plan.

What it does

The window to reach a customer before a missed payment becomes serious delinquency is short. Outbound calls work, but they're expensive to staff, inconsistent at scale, and hard to run with the right tone at high volume.

The Gradient Labs AI agent can proactively reach out to your customers over the phone. It contacts customers in the delinquency window, confirms their situation, and agrees on a payment date. Payment commitments are secured faster, at a fraction of the cost of a human collections team.

How it works

In Gradient Labs, you can trigger outbound calls in batches against delinquet audience segments, running thousands of calls per batch on a weekly schedule. On each call, the agent handles interjections, verifies the customer's identity, and confirms they recognise the lender relationship.

It pulls the outstanding balance and drawdown date from the resource, reads them back in natural language, and explains the consequences of non-payment: credit file impact and restricted future access.

If the customer can pay today, the agent walks them through payment instructions via a sub-procedure. If they commit to a future date, it calculates the days since drawdown and checks whether a default notice threshold applies. If they need help, it routes them into a payment plan sub-procedure.

Guardrails handle disputes, vulnerability, hostility, and requests to stop contact, each with a distinct response path.

After each call, the agent logs the outcome back to the CRM. Every call aims to close with a confirmed payment date.