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SameDay Auto Finance Achieves 43% Higher Collections and 75% Lower Call Costs in Early-DPD using AI for Collections.
How SameDay Auto Finance Eliminated Agent Bottlenecks with Phased AI Deployment
The Company
SameDay Auto Finance is a Dallas-based auto finance company serving automotive dealers across Texas. With founders bringing over 100 years of combined experience in finance, SameDay operates a portfolio where the majority of accounts sit in the early stages of delinquency. Skit.ai’s engagement targets the early stages of delinquency, where pro-active AI for collections outreach is most effective in preventing accounts from rolling forward into charge-offs.
Problem Statement
- Agent attrition and staffing volatility made consistent outreach impossible.
- Low early delinquency outreach led to accounts aging before initial contact.
- Unpredictable call volumes and a lack of coverage during non-operational hours and weekends.
- Increased compliance risk due to managing multiple states and time zones.
- The need to scale operations without relying on additional headcount.
Context Building: Understanding the Auto Finance Borrower
What the data showed
| Behaviour | Insight | Actions Taken |
|---|---|---|
| Peak borrower availability | After business hours and weekends — periods with zero agent coverage | Deployed 24/7 AI outbound calling — no account goes unworked |
| Early DPD proportion | Majority of portfolio in early-stage delinquency — lowest-cost recovery window | Automated early-stage outreach using AI outbound calling and voice agents |
| Call volume & consistency | Inconsistent outreach due to staffing gaps; accounts not worked at required frequency | Consistent automated dialing across full portfolio at scale |
| Channel effectiveness | Voice AI primary; SMS adds incremental penetration among non-voice responders | Freed agents for inbound return calls, skip tracing, and complex accounts |
| Compliance | Remaining compliant was a core requirement — automated cadence reduces manual risk | Compliance-first automation enforced on every call automatically |
Every insight shaped how campaigns were structured — not just which channel, but when to call, how to authenticate, and which payment path to prioritise. This wasn’t a single setup. Skit.ai tracked which channels generated responses, which times produced pickups, and which messaging drove payment — refining campaigns across four phases over a year.
The Solution
Before and after: how operations changed
| Before Skit.ai | With Skit.ai |
|---|---|
| Manual outbound, inconsistent coverage | Fully automated Voice AI outbound, 24/7 |
| After-hours: zero outreach | Every account worked around the clock |
| Agents on repetitive outbound calls | Agents freed for inbound returns and skip tracing |
| Manual compliance management | Compliance-first automation enforced on every call |
Every collector now works accounts that actually need their skills. The four-phase deployment drove measurable improvement at each stage.
The Results
| Metric | Improvement |
|---|---|
| PTP rate | 5.7% → 11.5% (2X) |
| Collection rate | +43% |
| Avg handle time | 28 sec → 18 sec (–36%) |
| Connectivity | 68% (2 attempts per account per day) |
| Collection call cost | -75% |
Agent availability and scalability were two core challenges that Skit.ai helped us solve. We can now reach out to every consumer cost-effectively at the early delinquency stage, making a significant difference in collections. Skit.ai’s call automation has helped us quickly process a larger debt portfolio and is proving to be a game changer.
Russell Warden
COO, SameDay Auto Finance
To Summarize
SameDay Auto Finance moved from a fragile, agent-dependent operation to a scalable AI debt collection engine — without adding headcount. Each phase built on the last, and the results compounded. The full multichannel deployment (Phase IV) is expected to drive a further 20% increase in collection rates.
From pre-due reminders to 46–90 DPD settlement, Skit.ai is a platform that handles all forms of debt collection across the delinquency curve, not just the easy early buckets.
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