The Operating System for Loan Performance
From prevention to recovery.
AI-orchestrated intelligence and task fulfilment across the loan lifecycle, improving resolution rates, reducing cost, and strengthening performance with every interaction.
30,000+ Cases Per Agent. Redefining Recovery Economics
Labour-Driven Model
- ~1,000 cases per agent
- Manual prioritisation.
- Agent-created tasks & reminders.
- Scale with headcount.
AI-Native Recovery Model
- Autonomous by default.
- Next-best action triggered automatically.
- Scale without headcount.
- 80%+ resolved agent-free.
60–70% Lower Cost to Collect.
Higher net recovery across the portfolio.
Agents focused on high-impact resolution.
Software that predicts.
Software that predicts.
Intelligence that compounds.
Intelligence that compounds.
Execution that performs.
Execution that performs.
The Intelligence Layer Across
the Loan Lifecycle
From underwriting support and pre-dues prevention to early resolution and write-off, one system continuously optimising performance at every stage.
Start with one bottleneck. Expand as performance compounds.
Risk
Recovery-Adjusted Scoring.
Feed real-world collection costs back into your LMS to stop approving high - friction borrowers that bureaus miss.
Prevent
Pre-Due Orchestration.
Identify at-risk profiles days before the due date and deploy preemptive digital nudges to stop delinquency before it starts.
Resolve
Digital-first resolution across all major channels, powered by conversational AI agents.
Human intervention only when predicted to improve outcomes. Minimal human cost. Maximum efficiency.
Recover
Hybrid orchestration for complex, high-stress cases.
Digital engagement continues across channels — including AI-driven chat and voice — with structured handoff to skilled callers, field agents, or legal escalation where required. Escalation by design. Not blanket calling.
Single easy integration. Full lifecycle access.
Autonomous AI Layer
Hybrid Orchestration Layer
Two Operating Modes.
One OS.
Execute digitally by default. Deploy human intervention intentionally.
Orchestration Layer
Orchestrate and optimise existing agency and internal teams, without replacing them.
The OS assigns complex cases by intent, tracks performance at task level, and reallocates work dynamically based on outcomes.
Cross-Agency Visibility
Task-Level Performance Tracking
Intent-Based Allocation
Embedded Compliance Guardrails
The Execution Layer
Fully digital-first recovery with selective human escalation.
Digital runs end to end across accounts. Human intervention is triggered by signal, not default.
AI-Led Multi-Channel Engagement
Signal-Triggered Human Escalation
Headcount Scales by Intent, Not Volume
Intelligence That Compounds With Every Case
We sit above your existing stack, interpreting live behavioural signals to drive continuous scoring, dynamic routing, and autonomous execution across digital and human channels. Every engagement sharpens the model. Every resolution strengthens future performance.
CONTINUOUS IMPROVEMENT
Every case strengthens the decisioning model across the network.
Performance improves automatically over time
INFRASTRUCTURE ECONOMICS
More volume increases intelligence without increasing headcount.
60–70% LOWER COST PER CASE
PROPRIETARY BEHAVIOURAL DATA
Over 8 million cases in our behavioural training corpus.
DECISIONS GROUNDED IN REAL RECOVERY OUTCOMES, NOT THEORY
All Channels. One Intelligence.
No Rip-and-Replace.
Collekt does not replace your existing agencies or teams. Every channel — human, AI, or digital — runs on the same real-time decision engine, sharing context, learning, and next-best action across the entire system
Collekt acts as a task allocator, assigning each account to the best-matched resolution path based on intent, complexity, and performance.
Digital & Conversational
- AI Voicebot
- AI Chat & WhatsApp
- Dynamic Message Creation
- TTS & Call Transcripts
Human Resolution
- OTT Human Task Allocation
- Intent-Based Assignment
- Live AI Support
- Post-Interaction Automation
Orchestration & Automation
- Real-Time Cross-Channel Orchestration
- Next-Task Automation
- Unified Case Memory
Digital & Conversational
- AI Voicebot
- AI Chat & WhatsApp
- Dynamic Message Creation
- TTS & Call Transcripts
Human Resolution
- OTT Human Task Allocation
- Intent-Based Assignment
- Live AI Support
- Post-Interaction Automation
Orchestration & Automation
- Real-Time Cross-Channel Orchestration
- Next-Task Automation
- Unified Case Memory
Digital & Conversational
- AI Voicebot
- AI Chat & WhatsApp
- Dynamic Message Creation
- TTS & Call Transcripts
Human Resolution
- OTT Human Task Allocation
- Intent-Based Assignment
- Live AI Support
- Post-Interaction Automation
Orchestration & Automation
- Real-Time Cross-Channel Orchestration
- Next-Task Automation
- Unified Case Memory
Digital resolves by default.
Human intervention is triggered only when the model predicts it will improve outcomes. Human agents enter with full borrower context, engagement history, and real-time intent signals plus coaching.
Precision allocation. No broadcast calling.
Security & Compliance
Built for regulated lenders. Secure by design. Audit-ready by default. Policy-driven guardrails constrain AI and human execution — enforcing regulatory rules, channel limits, and time-based restrictions automatically. Fully logged. Fully traceable. Regulator-ready.
workflows
deployment available
Repeat founders.
Re-architecting credit
recovery for the AI-native era
Stop scaling headcount. Start scaling performance.
Replace volume with precision.