Welcome and onboard new borrowers

Call new borrowers the moment their loan funds. Walk through the schedule, set up autopay, and handle early questions.

What it does

The first conversation a borrower has after signing sets the tone for everything that follows. Done well, it lifts repayment behaviour and reduces inbound calls for the rest of the loan. Done poorly, it shows up months later as missed payments and confused customers.

The Gradient Labs AI agent makes a personalised welcome call to every new borrower, walks them through the payment schedule in plain language, and helps them set up autopay or direct debit before they hang up. No call centre staffing required, no borrower left guessing.

How it works

The Gradient Labs AI agent runs the full dispute lifecycle as a back-office workflow. It starts by checking eligibility: has the transaction settled, and is it within the 120-day chargeback window? If evidence is missing, it reaches out to the customer to request it. A fraud check reviews the customer's dispute history for suspicious patterns.

The agent then classifies the dispute (fraud, non-receipt, incorrect amount, cancelled order, or merchant issue), checks the criteria, and submits the chargeback. When the merchant responds, the agent evaluates whether to accept, reject, or escalate to pre-arbitration, and follows the case through to the card network's final ruling.