Higher Recovery. Lower Effort. Built-in Compliance.
DECADE LONG EXPERTISE IN AI, DEBT COLLECTIONS AND COMPLIANCE
What Happens When a Collection Intelligence Meets a Real Portfolio.
STUDENT CREDIT CARD
Self-cure rate · 21% fewer charge-offs
AI owned 0–60 DPD entirely. Zero human collectors at early stage.
RETAIL/ECOMMERCE
Email open rate
AI nudges that actually get opened and drive payment without human follow-up.
LAW FIRM
Collected · 5× monthly growth
60K+ accounts triaged. Attorneys focused only on what was worth litigating.
MEDICAL CREDIT CARD
Account coverage · 5× ROI
Account coverage — every account worked, including ones the client was about to write off.
PRIVATE EDUCATION LOAN
Account Resolution · Industry benchmark 0.3%
Accounts resolved from a $124M portfolio that two prior agencies couldn’t move.
SUBPRIME AUTO LOANS
Delinquency · Near Zero Charge-Off
Portfolio grew 30% on flat headcount. 88% bot-managed calls.
“We needed one partner to crack text, email, outbound calls, and chat all in one place and then, we found Skit.ai.”
A seamless workflow designed for the speed of modern finance.
Core prompt engineering. Crafting your AI agent for your specific use case.
Validating performance, accuracy, safety checks, scenario simulation.
Deploy at scale with live numbers. Real conversations begin.
Smarter prompts, richer knowledge, RAG and fine- tuning cycles.
Seven autonomous AI collections agents, working in perfect symphony.
Ask the platform anything about your portfolio. It connects every signal across the agent fleet to give you live answers and acts on them, or hands off to a human when the situation gets complex.
Based on today's agent activity, the most critical item requiring client approval is the Manager's SMS cadence recommendation:
Recommendation: Increase SMS frequency on Medium Propensity cohort from 2x/week to 3x/week
Why it needs approval:
Urgency: This was flagged 2 hours ago and affects ongoing campaign execution. The expanded Medium Propensity cohort (now with 340 additional accounts) could be missing optimization opportunities while awaiting approval.
Supporting data: Your liquidation rate hit 2.7% (above the 2.5% target), suggesting the portfolio is responding well to current strategies, making this a good time to test increased engagement.
Would you like me to help draft the approval request with specific ROI projections?
Based on your current 68% Kept-PTP rate (target 70%), here are the key strategies to improve:
Immediate Actions:
Agent Training Focus:
Leverage Your AI Agents:
Your 12% PTP rate is already hitting target, so focus on quality over quantity. The 2% gap to target represents potential for ~$67K additional collections based on your portfolio size.
Based on the recent agent activity, here are the human escalations I can see:
Compliance Escalation
Performance Coaching Escalation
Note: The platform maintains a 99.86% compliance score, so escalations remain minimal. The Auditor processed 412 conversations today with only 1 flag, showing strong automated guardrails are working effectively.
For a detailed breakdown of specific account numbers, violation types, or agent performance metrics, I'd need to access the Escalations dashboard. Would you like me to pull that information?
Seven autonomous AI collections agents, working in perfect symphony.
Routes accounts to the right agent. Runs approval workflows for strategy & settlements, and escalates stalled cases to humans.
Talks to consumers across voice, SMS, email and chat. Negotiates and captures promises to pay.
Scores propensity to pay on every account. Recalibrates segments and offers as new signals come in.
Reviews every conversation against FDCPA, TCPA and state rules. Flags risk before it becomes a violation.
Spots failed conversation patterns and rewrites the script. Tracks agent quality and assigns coaching.
Filters every account before a single dial. DNC, bankruptcy, statute of limitations, litigators.
Skip-traces unreachable accounts. Validates phones, refreshes emails, recovers lost contacts.
“Skit.ai helped us cut down on repetitive tasks and rising staffing costs. It’s efficient, seamless, and essential.”
Every conversation screened. Every action logged. Every regulator ready. Skit.ai Auditor agent enforces
the rules at the action layer, so non-compliant outreach never goes out, instead of being caught after the fact.
FEDERAL
Frequency caps, prohibited timing windows, third-party disclosure rules and consumer dispute rights enforced at every touchpoint.
FEDERAL
Consent tracking, DNC registry checks, quiet-hour enforcement and per-channel frequency caps before a single dial goes out.
CFPB
7-in-7 call cap, validation notices, limited-content messaging and the CFPB’s full Debt Collection Practices Rule built into every workflow.
HEALTHCARE
Encrypted PHI handling, role-based access, BAA-ready deployments for healthcare portfolios — from billing to collections.
Security
Independently audited controls for security, availability and confidentiality covering every conversation, recording and data flow across our voice AI stack.
PAYMENTS
Tokenized card capture, PAN suppression in transcripts and segmented payment workflows so cardholder data never lingers in your collections conversations.
FEDERAL
Script reviews, tone monitoring and required disclosure prompts on every call — so every consumer interaction stays clear, fair and defensible under CFPB and FTC scrutiny.
HEALTHCARE
Breach notification, full audit logging and strengthened PHI safeguards layered on top of HIPAA purpose-built for healthcare billing and patient outreach.
INTERNATIONAL
Risk assessments, access controls and continuous monitoring aligned to the global standard meeting the security bar your enterprise and international customers expect.
