A collections agent that
never sleeps, never rushes.
Run outbound payment recovery across voice, email, and SMS. Reconcile broker-to-carrier ledgers, prioritize by payment risk, and meet every policyholder in their own language, at 10,000+ simultaneous calls, 24/7.
Collections · Overview
Outbound payment recovery across voice, email, and SMS.
Period: 2026-05-15 – 2026-05-22
Connected calls (7d)
17,294
▲ 12.1% WoW
Collection rate
31.2%
▲ 2.5 pp WoW
Compliance score
99.9%
0 violations
Risk-prioritized queue
Next-hour outreach · sorted by payment-risk score
Broker ↔ carrier ledger
Last reconciliation: 4 min ago
Matched
2,841
Pending
47
Disputed
12
Trusted by collections and revenue operations teams worldwide
Outbound collections is structurally broken at scale
High-volume, compliance-sensitive, ruthlessly repetitive work · handled by tools built for ad-hoc human routing.
Headcount That Can't Keep Up With Portfolio
Hiring and training cycles can't match book growth. Every new portfolio cohort means another wave of reps, another onboarding bill, and another quarter before they're productive.
Coverage Stops at Business Hours
Connect-rate windows don't respect office hours. The best time to reach a policyholder is often when no one is staffed to call them.
Broker and Carrier Ledgers Don't Match
Premium payments routed through brokers arrive on a different cadence, in a different format, against a different policy ID. Reconciling them is a manual, error-prone monthly grind.
Every Policyholder Treated the Same
High-risk delinquents wait their turn in a flat queue. Low-risk customers get aggressive scripts they didn't need. There's no signal driving who to call first or how.
Monolingual Scripts in a Multilingual Book
Books span languages, dialects, and reading levels. Reps fall back to English (or stop calling entirely). Connect rates and CSAT both suffer.
Compliance That Varies Rep by Rep
PCI handling, calling-hour rules, AI/identity disclosure, vulnerable-customer detection · each rep applies them differently. Quality assurance runs on 1% manual sampling.
Four jobs your collections agent does, end to end
Not a robocaller. A real collections worker that owns the full recovery loop, outreach, ledger, risk, and language.
Reminders by voice, email, and SMS
One agent orchestrates the full multi-channel reminder ladder. Pacing, cadence, and channel mix are tuned per policyholder · and PCI-sensitive payment is handled via a Stripe SMS link, never on the voice channel.
- Voice, email, and SMS from a single playbook
- Stripe-hosted checkout via SMS keeps PCI off the call
- 24/7 outreach within compliant calling-hour windows
Broker-to-carrier ledger reconciliation
Matches broker remittances against carrier-side policy ledgers in real time. Surfaces mismatches as they happen, opens disputes with full context, and stops chasing policyholders who already paid.
- Continuous match against the policy of record
- Auto-flagged disputes with broker context attached
- Eliminates dunning of customers whose broker has paid
Payment risk detection and prioritization
Scores every open balance on payment-risk and contactability signals, then orders the daily queue by expected recovery. The right policyholder gets the right channel and tone at the right hour.
- Risk scoring blends DPD, history, and signal velocity
- Best-time-to-contact optimized per customer
- High-risk cases auto-promoted to the next-hour queue
Speaks the policyholder's language
Switches language and register on the fly · and adapts tone for hardship, confusion, or elderly indicators. Vulnerable-customer detection routes straight to a specialist human when needed.
- 20+ languages with native accent and idiom
- Tone adapts to hardship and distress signals
- Vulnerable-customer detection with warm handoff
Measurable collections impact from day one
Results from an insurance carrier running 242K monthly outbound dials · 53 reps replaced with a single AI collections agent.
Collection Rate Lift
On connected calls · from 28.7% to ~31%. AI doesn't fatigue, rush, or compress objection handling under handle-time pressure.
Annual Labor Savings
Roughly $130K/month at current volumes · a 75%+ cost reduction. Cost scales with connected-call volume, not headcount.
Always-On Outreach
Calls placed within compliant local windows around the clock. The 3-day retry cycle on no-answers and voicemails runs without staffing constraints.
Simultaneous Lines
Up from 53. Portfolio growth, seasonal spikes, and overdue waves are absorbed without a hiring cycle.
CSAT Post-Call
On a 5-point post-call survey. Empathetic pacing, language matching, and warm transfer for hardship cases keep satisfaction high.
Compliance Score
Calling-hour rules, AI identity disclosure, consent-to-record, PCI scope removal via Stripe SMS link, and vulnerable-customer detection · every call, every time.
What changes the day the agent takes the dialer
From dialer connected to calls live in days
Built for revenue and collections operations, not engineering teams.
Connect Ledgers & Channels
Plug in your policy admin system, broker remittance feeds, voice line, email, and SMS gateway. Pre-built connectors mean no custom engineering.
Define Risk & Playbooks
Set risk scoring, language coverage, channel-mix rules, calling-hour windows, and hardship policies in a visual editor.
Go Live in Shadow Mode
Run the agent silently alongside your team first. Validate behavior on real connected calls, tune scripts, then promote to production with one click.
Monitor, Score, Optimize
Track collection rate, savings, compliance score, and CSAT in real time. Every call, email, and SMS is transcribed and scored automatically.
What people are saying
“Within 24 hours of deployment, we had 10x more visibility into critical conversion blockers that were costing us revenue every single day.”
Aitor Gumiel
VP of Product @ TheGuarantors
“InfiniteWatch showed us what the customer was doing on our platform before they called. We can see the previous web sessions, and then hear the call. Our agents now resolve issues 40% faster because they understand the full story.”
Alberto Baselga
CPO/CIO @ Northius
“InfiniteWatch caught a third-party integration bug that was silently killing our top-of-funnel conversion and helped us deep dive into the root cause.”
Angela Fernández
Product @ Remotely.works
Turn your overdue book
into recovered premium.
See the Collections Agent run a sample portfolio · voice, email, and SMS · and get a tailored estimate of the collection-rate lift and labor savings on your own book.