Every lender has processes that don't fit a product roadmap. With the Agent Builder you describe the process in plain English. AI drafts it as a decision tree, explains each step back to you, and your team reviews and switches it on.
A collections agent built with Agent Builder: it proposes the next step, a collector approves it.
Arrears
Payment missed
A repayment is overdue on the loan
Protections
Holds first
In hardship, on an arrangement or just contacted? It stops
Days past due
Severity
Early, moderate or serious, from how late the loan is
Context
History
Contact this cycle, past hardship and default notices
Recommended next step
Early: 1 to 29 days
Late letter
The 5-day late letter, in a neutral tone
Moderate: 30 to 89
Reminder or call
A pre-default reminder, or a phone follow-up if already contacted
Serious: 90+ days
Hardship first
Offer hardship. If used, a default notice, then repossession
Your team decides
Team approves
Nothing is sent or started until a collector approves
On any loan, a collector can ask the agent what is happening and what to do next. It answers from the loan’s own records, shows its reasoning, and acts only when you approve.
Collections agent
On loan 1000003104 · example with sample data
What's the status of this loan?
Car loan 1000003104 for Sarah Mitchell.
When was the last contact made?
The 5-day late letter was emailed on 5 September, 29 days ago. Nothing since.
It's in arrears. What should we do?
34 days past due with no contact this cycle, and no hardship or arrangement to respect. I recommend sending the pre-default reminder.
Done. The pre-default reminder was emailed to Sarah and logged on the loan.
What actions have been taken on this loan?
Two so far:
What the agent is doing
Read the loan
34 days past due
Read the contact history
2 actions
Check protections
None in place
Measure severity
Moderate, 30 to 89 days
Choose the next step
Pre-default reminder
Wait for your approval
Approved by you
Send and log it
Logged on the loan
Hardship and payment arrangements are always checked before anything is recommended, and nothing is sent without your approval.
An agent is a set of rules you can read. AI helps you write it, but nothing goes live until your team approves it, and it can only do what you've allowed.
How we govern AIReads the whole application and drafts a structured credit memo, with risks, pattern observations and a recommendation.
Sorts every upload into the right document type, extracts the figures that matter and checks them for consistency.
Turns customer emails into cases, summarised and classified by intent and sentiment, and links them to the right customer and loan.
Answers questions about your policies, procedures and regulatory guidance in plain English, showing the documents it drew on.