- Solution
- Collections Strategy
A collections strategy that adapts per account.
For accounts that are past due but not yet charged off. KredosAi matches the message to what has worked for each account before, instead of one script for everyone at the same days past due.
In short: KredosAi Collections is an account-level engine for past-due accounts, before charge-off. It matches the message to what has worked for each account before, instead of one script for everyone at the same days past due. You test it against your own portfolio, with early results in as little as 2 weeks in a pilot.
A pilot built around your portfolio. Early results in as little as 2 weeks.
Last updated: November 3, 2026
One script for everyone.
An account 1 day late and an account 75 days late often get the same message and tone. Testing a change takes 18 to 24 months with a traditional A/B setup, two or three variables at a time. By the time a test finishes, the accounts it was built for have already moved on.
vs
Static collections strategy
Message matched to what has worked for each account
One script for every account at the same days past due
50+ variables tested at once
2 to 3 variables per A/B test
Optimized in 30 to 60 days
18 to 24 months to a test result
Keeps learning as customer behavior shifts
Results stall until the next test
Every message clears a compliance check
Threat-framed language early on can push good payers away
How it works
Messages shift by days past due.
Our collections experts build the sequence. Inside it, the multi-armed bandit engine tests 50+ variables at once, reaches optimized performance in 30 to 60 days, and shifts the message as an account moves through delinquency and risk tier.
Early in delinquency
Lighter-touch, trust-building messages, RCS-first so they read as coming from you.
No response yet
The engine shifts framing, such as loss aversion or social proof, based on what has worked for that account before.
Approaching charge-off
Messages shift toward structured resolution and payment arrangements, ahead of a handoff to Payment Recovery.
Compliant by design
The engine only chooses among templates your legal team approved, and every message clears a compliance check before it sends.
What the engine has delivered in production.
Measured on live collections portfolios.
See what it could do on your portfolio.
16% better cure rate
20x documented ROI
3 to 6 days sooner
See what it could do on your portfolio.
Built for your industry.
Built for your industry.
Telecom, Media & Technology
Companies may have up to 15% of their customers overdue on bill payments each month. Discover how KredosAi is helping reduce delinquencies in the sector.
Auto Financing
Financial Services
Questions collections teams ask first.
Do we have to replace our current collections sequence to try this?
No. KredosAi Collections is deployed via API alongside the sequence, CRM and dialer you already run. The pilot runs on a defined segment of your own portfolio, scoped with your team around how long your accounts take to mature. Readouts start from day one, with early results in as little as 2 weeks. A traditional A/B test typically takes 18 to 24 months and tests two variables at a time. The engine tests 50 or more variables continuously. It runs against your own accounts and data, not an agency taking over the relationship. The process you keep for the rest of your portfolio stays as it is.
What happens to accounts that don’t cure here?
They move to Payment Recovery, KredosAi’s post-charge-off stage, instead of staying on the same sequence indefinitely.
How long before we see results?
Early results in as little as 2 weeks on the segment you pilot. Full results depend on how long your accounts take to mature.
Do we have to replace our current collections sequence to try this?
No. KredosAi Collections is deployed via API alongside the sequence, CRM and dialer you already run. The pilot runs on a defined segment of your own portfolio, scoped with your team around how long your accounts take to mature. Readouts start from day one, with early results in as little as 2 weeks. A traditional A/B test typically takes 18 to 24 months and tests two variables at a time. The engine tests 50 or more variables continuously. It runs against your own accounts and data, not an agency taking over the relationship. The process you keep for the rest of your portfolio stays as it is.
How long before we see results?
Early results in as little as 2 weeks on the segment you pilot. Full results depend on how long your accounts take to mature.
What happens to accounts that don’t cure here?
They move to Payment Recovery, KredosAi’s post-charge-off stage, instead of staying on the same sequence indefinitely.