Meet Skit.ai
STUDENT CREDIT CARD
80%
Self-cure rate · 21% fewer charge-offs
AI owned 0–60 DPD entirely. Zero human collectors at early stage.
Meet Skit.ai
AI Debt Collection Software,
Shaped by Billions of Real Conversations.
Higher Recovery. Lower Effort. Built-in Compliance.
DECADE LONG EXPERTISE IN AI, DEBT COLLECTIONS AND COMPLIANCE
Proof, Not Just Promises.
What Happens When a Collection Intelligence Meets a Real Portfolio.
RETAIL/ECOMMERCE
70%
Email open rate
AI nudges that actually get opened and drive payment without human follow-up.
LAW FIRM
$2.4M+
Collected · 5× monthly growth
60K+ accounts triaged. Attorneys focused only on what was worth litigating.
MEDICAL CREDIT CARD
98%
Account coverage · 5× ROI
Account coverage — every account worked, including ones the client was about to write off.
PRIVATE EDUCATION LOAN
4.6%
Account Resolution · Industry benchmark 0.3%
Accounts resolved from a $124M portfolio that two prior agencies couldn’t move.
SUBPRIME AUTO LOANS
35 → 17%
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.”
Greg Straub,
Pollack and RosenQuick to deploy, Faster to Perform.
A seamless workflow designed for the speed of modern finance.
Build
Core prompt engineering. Crafting your AI agent for your specific use case.
Test
Validating performance, accuracy, safety checks, scenario simulation.
Deploy
Deploy at scale with live numbers. Real conversations begin.
Enhance
Smarter prompts, richer knowledge, RAG and fine- tuning cycles.
The Seven Specialists
Seven autonomous AI collections agents, working in perfect symphony.
Agentic AI
The mind of a collections manager.
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.
Platform Assistant
what is the most important item today where I need client approval?
Manager reviewing today's recommendations…
SOURCES
Manager
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:
- Business impact: Medium Propensity accounts were just expanded by 340 accounts (re-scored yesterday)
- Performance driver: 34% SMS open-rate trend shows strong engagement
- Cost implications: ~50% increase in SMS touchpoints for this cohort
- Compliance consideration: Higher frequency requires client sign-off for consumer protection
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?
How do i increase my PTP kept rate?
Analyst & Manager reviewing PTP patterns…
SOURCES
Analyst
Manager
Based on your current 68% Kept-PTP rate (target 70%), here are the key strategies to improve:
Immediate Actions:
- Payment date optimization: Analyze when customers get paid (paydays, benefit dates) and schedule PTPs closer to those dates
- Realistic amount setting: Review if PTP amounts align with customer capacity - unrealistic amounts lead to broken promises
- Follow-up timing: Contact customers 1-2 days before PTP due date with friendly reminders
Agent Training Focus:
- Payment method setup: Ensure agents are setting up automatic payments or providing clear payment instructions during the PTP call
- Objection handling: Your Coach flagged agents struggling with "I already paid" responses - this training will help with overall PTP quality
- Confirmation techniques: Train agents to get verbal commitment and repeat back payment details
Leverage Your AI Agents:
- Ask Analyst to identify patterns in broken vs. kept PTPs (amount ranges, customer segments, days-to-payment)
- Have Manager adjust cadence for PTP follow-ups based on propensity scores
- Coach can score PTP-setting conversations specifically for quality improvement
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.
Which accounts required human escalation and why?
Auditor & Coach scanning today's escalations…
SOURCES
Auditor
Coach
Based on the recent agent activity, here are the human escalations I can see:
Compliance Escalation
- 1 account flagged by the Auditor for a potential time-zone violation on a New York account
- Escalated to QA lead for review (flagged 4 hours ago)
Performance Coaching Escalation
- 3 human agents scored below threshold on "I already paid" objection handling
- Coach has scheduled a calibration session for Friday to address performance gaps
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?
The Seven Specialists
Seven autonomous AI collections agents, working in perfect symphony.
Orchestrator
Manager
Routes accounts to the right agent. Runs approval workflows for strategy & settlements, and escalates stalled cases to humans.
ROUTING
APPROVAL
ESCALATION
live
#A481
Manager
Collector
Analyst
Auditor
Coach
Scrubber
Tracer
Settlement
$487
Acct #B720
Manager
APPROVED
STALLED#C935
Manager
HUMAN
Outreach Engine
Collector
Talks to consumers across voice, SMS, email and chat. Negotiates and captures promises to pay.
CONVERSATIONlive
VOICE
SMS
EMAIL
CHAT
Hi Jamie — about your $312 balance…
Can I pay $50/wk?
Done — plan set. PTP captured ✓
Intelligence Engine
Analyst
Scores propensity to pay on every account. Recalibrates segments and offers as new signals come in.
PROPENSITY SCORINGlive
#A48191%
#B72062%
#C93531%
#D01284%
Compliance
Auditor
Reviews every conversation against FDCPA, TCPA and state rules. Flags risk before it becomes a violation.
COMPLIANCE REVIEWlive
TCPA quiet-hour window✓
FDCPA Validation✓
State DNC list!✓
Mini-Miranda disclosure✓
Quality & Training
Coach
Spots failed conversation patterns and rewrites the script. Tracks agent quality and assigns coaching.
SCRIPT COACHINGlive
“You need to pay today.”
“Let’s find a plan that works for you.”
6291
Pre-Filter
Scrubber
Filters every account before a single dial. DNC, bankruptcy, statute of limitations, litigators.
PRE-CALL SCRUBlive
BLOCKED
SCRUB
CLEAN
#A481
DNC
#C935
BKR
#E207
Skip Trace
Tracer
Skip-traces unreachable accounts. Validates phones, refreshes emails, recovers lost contacts.
CONTACT RECOVERYlive
Phone
●●● ●●● ●●●●
+1 704 555-2391
✓
Email
— missing —
j.miller@gmail.com
✓
Address
— missing —
412 Ash Ln, NC
✓
Employer
— unknown —
Rivertown Logistics
✓
“Skit.ai helped us cut down on repetitive tasks and rising staffing costs. It’s efficient, seamless, and essential.”
Kris N. Brumley,
Revenue Enterprises, LLCCompliance Isn‘t a Feature. It’s the Foundation.
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
Fair Debt Collection Practices Act
Frequency caps, prohibited timing windows, third-party disclosure rules and consumer dispute rights enforced at every touchpoint.
FEDERAL
Telephone Consumer Protection Act
Consent tracking, DNC registry checks, quiet-hour enforcement and per-channel frequency caps before a single dial goes out.
CFPB
Regulation F — CFPB Debt Collection Rule
7-in-7 call cap, validation notices, limited-content messaging and the CFPB’s full Debt Collection Practices Rule built into every workflow.
HEALTHCARE
Health Insurance Portability & Accountability Act
Encrypted PHI handling, role-based access, BAA-ready deployments for healthcare portfolios — from billing to collections.
Security
Service Organization Control 2
Independently audited controls for security, availability and confidentiality covering every conversation, recording and data flow across our voice AI stack.
PAYMENTS
Payment Card Industry Data Security Standard
Tokenized card capture, PAN suppression in transcripts and segmented payment workflows so cardholder data never lingers in your collections conversations.
FEDERAL
Unfair, Deceptive or Abusive Acts and Practices
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
Health Information Technology for Economic and Clinical Health Act
Breach notification, full audit logging and strengthened PHI safeguards layered on top of HIPAA purpose-built for healthcare billing and patient outreach.
INTERNATIONAL
ISO/IEC 27001 Information Security Management
Risk assessments, access controls and continuous monitoring aligned to the global standard meeting the security bar your enterprise and international customers expect.
