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Collections and AI
Built to perform across the customer journey.
Analytics-Led AI for Collections: How Skit.ai Transformed UOwn Leasing’s Charged-Off Recovery
How AI-driven analytics unlocked a stalled charged-off portfolio through multi-channel outreach without adding a single agent.
The Company
Tampa-based UOwn Leasing struggled to manage a 50% past-due rate across 100,000+ accounts, particularly the 60% sitting at 120+ days delinquent. Without automated debt collection software or a dedicated tax-season strategy, their small team couldn’t scale recovery efforts. By partnering with Skit.ai, UOwn bridged this operational gap, using Al to drive cost-effective collections at scale.
What The Data Showed
| Dimension | Insight |
|---|---|
| Borrower profile | Credit-challenged consumers with an average balance of $2,000 showed a strong willingness to settle when engaged effectively and at the right moment. |
| Peak settlement window | Tax refund season (February–April) creates peak cash availability for this consumer segment — the most effective window for settlement campaigns due to increased financial liquidity. |
| High-value targeting | Prioritising accounts over $2,000 delivers the highest return on investment among all account segments within the charged-off book. |
| Payment method impact | Using card-on-file as the primary payment method was found to significantly increase payment conversion by 75% — the single highest-leverage change in the entire flow. |
Customer Context – Our Approach To Fix The Challenges
The Solution
The Results
25X
ROI on Skit.ai’s Solution
$500K
Worth of Accounts Resolved
2X
Connectivity (35%)
69%
Payment Automation Rate,
$100K Collected
We were seeking a way to boost collections cost-effectively and without the need to add additional workforce. We began by leveraging Skit.ai to run a settlement campaign during tax season this year, with the technology adapting to our seasonal needs and business model. I don’t think technology will eliminate people, but having the right point of intersection between technology and human capital is how you can scale operations and make your business successful.
Daniel Klein
CEO of UOwn Leasing
To Summarize
UOwn Leasing’s charged-off portfolio remained stagnant due to limited infrastructure and agent bandwidth. By leveraging Skit.ai, an AI debt collection platform that handles all forms of debt collection. UOwn automated settlement outreach and card payments without agent intervention. The strategy yielded $500K in resolved accounts and a 25X ROI, demonstrating what online debt recovery services in the USA can achieve when the right Al for collections platform meets the right moment in the consumer’s financial calendar.
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