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Outcome-based model
Vector agents work borrower accounts toward measurable resolutions — recovered payments, payment plans, completed follow-ups, and escalations — so teams can focus on results instead of conversation volume.
Human-in-the-loop approvals
Difficult scenarios like disputes, bankruptcy, attorney representation, or hardship are escalated within boundaries you control.
Contact memory
Every call, SMS, email, and tool action is carefully recorded and stored for a complete history of every customer interaction.
Omnichannel by default
One agent. Voice, SMS, email, WhatsApp. Customers move between channels, the conversation continues.
2.2x
increase in recovered payments
5M+
monthly conversations and actions
35%
increase in refinancing and upsells
Payment collection
Recovers payments through compliant borrower outreach, negotiation, reminders, and payment-flow assistance.
Loan refinancing
Identifies eligible borrowers, answers renewal questions, and guides them into repeat loans or relevant offers.
Application conversion
Converts started or abandoned applications with personalized follow-up, document collection, and guidance.
Support agent
Handles borrower questions across servicing, account updates, payoff info, disputes, hardship, and escalation
“Since implementing Vector for payment collection, we’ve transformed how our team handles recovery operations. The AI now manages thousands of outbound collection calls, handles payment reminders, negotiates payment plans, and escalates sensitive cases to human agents when needed. All while maintaining a professional and compliant customer experience.
In just 90 days, we increased collection rates by 38%, reduced operational costs by 52%, and improved right-party contact rates by 64%.”
— Eduard Granados, VP of Operations @ Altamira Labs
Integration ready
CRM, LOS, telephony, payments, docs, messaging, and more
Compliance-ready operations
SOC 2, HIPAA where relevant, data controls, retention, auditability.
Policy controls stay yours
Approvals, escalation gates, compliance rules, audit trails.
Deploy safely, then scale
Start with one queue, expand after measurable lift.
Infrastructure built for regulated lending
Secure, reliable infrastructure with regional hosting, tenant isolation, monitoring, and compliance-aware controls
Dedicated instances
Deploy in EU, US, or private cloud. Your region, your infrastructure.
