Case · Recu
+38%
of recovery on overdue portfolio
Recu runs collections for fintechs and credit unions. The classic problem: overdue portfolio is worked in business hours by a team that tires, while the calls a debtor does answer land at night and on weekends. The goal: a voice agent that calls, listens, offers agreements and closes them 24/7, with no overflow onto the human team.
Recu in figures
Fintech · Collections
- +38%
- Recovery on overdue portfolio
- 62%
- Agreements closed between 19h and 7h
- 24/7
- Coverage with no overflow
- 200+
- Credit unions the model replicates to
The problem
The human team covered 8 business hours. Debtors answer more at night and on weekends. Every missed call was an agreement postponed by a month. The overdue portfolio aged on its own.
The architecture
We designed a voice agent with Recu’s own tone, knowledge of the end client’s product, and negotiation rules inside the regulatory limits. Every call is transcribed, tagged with its outcome and signed in the audit ledger. If the debtor asks for a human, the agent books the next available slot.
The result
62% of the quarter agreements closed between 19h and 7h. The portfolio works on its own at night and on weekends, with no overflow onto the team, and recovery rose 38% against the previous period. The model replicates to the 200+ credit unions in the portfolio.
The voice agent calls, listens to the debtor, offers agreements and closes them. 24/7, with no overflow onto the team. The portfolio works on its own at night and on weekends.
Other cases
- Cootradecun
Credit union · 40k members
85%
- Legalnova
Legal · CO + US
−70%
- Ramírez & Asociados
Legal · Tax & fiscal
RAG
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