Tony - AI Collector
AI Collector
Tony is an AI-powered collections specialist designed to automate borrower outreach, increase repayment rates, and streamline management of past-due accounts. By integrating with loan origination and core banking systems, Tony identifies delinquent accounts, sends timely payment reminders via SMS and email, and engages borrowers proactively—reducing delinquency while freeing collections teams from repetitive manual follow-ups.
Agent Functionality:
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Monitors loan portfolios and flags delinquent accounts in real time
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Sends personalized SMS and email reminders to borrowers with overdue payments
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Offers self-service repayment links and next steps to resolve delinquencies quickly
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Posts repayment status and borrower responses directly to the LOS and core
Reduces overdue balances by reaching borrowers early and often with automated reminders and clear next steps.
Boosts repayment rates with convenient, personalized prompts that make it easy for borrowers to take action fast.
Cuts down on repetitive calls and manual tracking, freeing collections teams to focus on complex accounts.
Keeps borrowers informed and supported with respectful, consistent outreach that helps preserve relationships.