AI Powered
Debt Collection Software, With Human-in-the-Loop

Skit.ai delivers higher recovery performance without compromising customer experience.

99% portfolio penetration across 4+ channels
100% bot-led collections in the 0–30 DPD bucket
CPD efficiencies that traditional systems cannot match

“We needed one partner to crack text, email, outbound calls, and chat all in one place and then, we found skit.ai.”

– Greg Straub, EVP, Pollack and Rosen

“Skit.ai helped us cut down on repetitive tasks and rising staffing costs. It’s efficient, seamless, and essential.”

– Kris N. Brumley, President/COO, Revenue Enterprises, LLC

“AI was a no-brainer. Our agents were wasting time just waiting on calls. With Skit.ai, those wait times disappeared”

– Scott Autry, CEO, Darnel Inc.

Decade long expertise, trusted by 100+ creditors, lenders and agencies

How We Support
Debt Collections

Collection Intelligence

Collect smarter with predictive, iterative models that power collections AI at every step.

Multichannel AI Agents

Task-based AI collections agents that make your operations faster, accurate, and efficient.

Integrations

Out-of-the-box integrations that help AI software deploy faster and work with existing systems.

Compliance

AI collection with compliance built into every workflow, channel, and touchpoint.

Multilingual
Conversational Agents

Voice Email SMS Chat

Natural, Context-Aware Conversations

Handles full voice interactions using account context, past history,
and intent signals, not rigid IVR flows.

Dynamic Call Control

Adjusts tone, pace, and call flow in real time based on consumer
responses and sentiment.

Resolution-First Handling

Guides consumers toward payment, promises, callbacks, or
escalation without unnecessary transfers.

Built-in Compliance and QA

Enforces call scripts, disclosures, and audit requirements
automatically across every interaction.

Purpose-Driven Email Journeys

Sends emails tied to specific milestones—reminders, facilitation,
follow-ups and not bulk campaigns.

Content That Adapts

Adjusts subject lines, messaging, and CTAs based on engagement
and prior outcomes.

Signal-Aware Follow-Ups

Uses opens, clicks, and response behavior to decide what comes
next or when to stop.

Compliance-Safe Outreach

Manages consent, frequency, and disclosures without manual
checks.

High-Intent, Timely Messaging

Uses SMS selectively for nudges, reminders, and links where
immediacy matters.

Conversational, Not Broadcast

Supports two-way interactions that feel responsive rather than
scripted or spammy.

Smart Cadence Control

Dynamically spaces messages based on response, silence, or opt-out
risk.

Consent and Regulation Enforced

Automatically respects opt-ins, quiet hours, and regional rules.

Always-on Digital Engagement

Engages consumers instantly across web and messaging interfaces
without queues or handoffs.

Guided Resolution Flows

Helps consumers self-serve payments, clarifications, and next steps
with minimal friction.

Context Continuity

Carries account state and conversation history across sessions and
channels.

Seamless Escalation

Hands off to human agents only when required—passing full
context forward.

AI Platform, Designed for Collections.

Try Skit.ai Today

Predictive Modeling

Predict the right customer, channel, and timing for higher recovery.

Collections LLM

Collection LLMs bring smarter strategies and automation to scale.

Cohort Journey Builder

Design automated, personalized collection flows, no code required.

Iterative Modeling

With continuous learning loops, performance improves over time.

Collections Intelligence

Context-Rich Intelligence

shape smarter collection decisions.

ROI with Empathy

Increase delivery, RPC, and cure rates by meaningfully

segmenting consumers using collections AI.

Engagement Signals

Reach customers at the right time with the right message,

tone, and cadence using AI

“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 Rosen

AI Agents

Human-Like

Human-like conversations with clarity, empathy, and consistency across every interaction.

Multilingual

Speak naturally across languages and dialects, adapting to regional nuance.

Integrated Across Channels

Seamlessly operate across voice, SMS, email, and digital platforms without losing context.

Awareness/RPC agent

Ensures the right party is informed early and objections are addressed upfront.

Negotiation Agent

Negotiates like a human – with context, empathy, and business understanding.

Dispute Management Agent

Leverages data and knowledge sources to resolve disputes and prepare for payment.

Promise Enforcing Agent

Increases PTP-kept with timely reminders and follow-ups for customers who intend to pay.

Payment Collection Agent

Helps customers choose the best payment method and complete the action smoothly.

Reminder Agent

Ensures payment plans are followed and early settlement opportunities are utilized.

“Skit.ai helped us cut down on repetitive tasks and rising staffing costs. It’s efficient, seamless, and essential.”

Kris N. Brumley,

Revenue Enterprises, LLC

AI Platform, Designed for Collections.

Try Skit.ai Today

Made for collections only

Truly End-to-End

The AI debt collection software that takes care of your outcomes, not just implementation

Compliance

Stay protected with automatic TCPA/FDCPA filters, identity validation, and consent tracking baked into every workflow.

Payments

Seamless ACH and card capture with PCI-ready flows, tokenization, and SMS fallback links that close the loop.

Integrations

Plug into CRMs, dialers, and payment systems with flexible APIs, SFTP, or middleware, all synced in real time.

Analytics

Dashboards for connectivity, RPC, payments, and outcomes, giving you live visibility and actionable insights across portfolios.

Integrate with
Your existing workflows

See All Integrations

Meet Skit.ai

A decade in the Industry

Years of deep expertise in financial services, collections, and AI.

Collections Focus

Focused research and expertise across the complete collections lifecycle.

End-to-End Ownership

From integration to performance, we manage the full journey.

AI-First from Day One

Built on AI since 2016 to make collections more empathetic and efficient.

Compliance Built-in

Compliance isn’t an add-on, it’s part of the core architecture.

Performance-Based Pricing

Risk-free, contingency based models, when you win, we win.

AI Designed for Collections Only

Built to perform across the collection journey.

Try Skit.ai Today

AI Powered Debt Collection Software, With Human-in-the-Loop

How We Support Debt Collections

Collection Intelligence

Multichannel AI Agents

Integrations

Compliance

Multilingual Conversational Agents

AI Platform, Designed for Collections.

Predictive Modeling

Collections LLM

Cohort Journey Builder

Iterative Modeling

Collections Intelligence

Greg Straub,

AI Agents

Awareness/RPC agent

Negotiation Agent

Dispute Management Agent

Promise Enforcing Agent

Payment Collection Agent

Reminder Agent

Kris N. Brumley,

AI Platform, Designed for Collections.

Truly End-to-End

Compliance

Payments

Integrations

Analytics

Integrate with Your existing workflows

Meet Skit.ai

A decade in the Industry

Collections Focus

End-to-End Ownership

AI-First from Day One

Compliance Built-in

Performance-Based Pricing

AI Designed for Collections Only

AI Powered
Debt Collection Software, With Human-in-the-Loop

How We Support
Debt Collections

Multilingual
Conversational Agents

Integrate with
Your existing workflows