01
Proactive negotiation
It doesn't settle for the first offer: it proposes, steers toward the minimum payment and raises the ask when it can.
The product · Collections negotiation agent
Saldia. Negotiates, closes and collects, in one conversation.
An AI agent that negotiates by voice, chat and WhatsApp: it understands what the debtor says, proposes options within the portfolio's policy and closes the payment promise. 24 hours a day, weekends included.
Voice · Chat · WhatsApp
24/7
#1 in portfolio payment promises
Already in production
The agent
The agent and what it does.
It's not a rules-based IVR: it understands what the debtor says, negotiates and closes the payment commitment — and knows when to hand off to a person.
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Understands context
It grasps what the debtor says and responds accordingly, not with a fixed menu of options.
03
Closes the payment promise
It agrees on amount and date, confirms the commitment and records it.
04
Escalates to a human agent
When the case calls for it, it hands off to a human with the full context of the conversation.
05
Leaves a message with third parties
If someone else picks up, it leaves a message and asks for the account holder's phone; if given one, it calls.
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Records reported payments
If the debtor says they already paid, it takes the payment details and negotiates the remaining balance.
The platform
All integrated into Saldia.
Operations, telephony and data in one place — from the call to the report.
360 balances and debt
Centralizes balances, products and debt for each customer in a single view.
Inbound + outbound dialer
Answers and calls from the same integrated platform.
100% recording and transcription
Every call is recorded and transcribed.
Automatic dispositions
It automatically classifies the outcome of every interaction.
Reports and dashboards
Contacts, promises, campaigns and the recovery curve.
Rules per portfolio
Plans, write-offs and policies configurable per client.
Results
One bot performs like several agents.
Pilot on a retail card portfolio (anonymized), September 1–14. Saldia versus the contact center's average agent.
297
bot payment promises
#1 by count across the whole portfolio.
$49.7M
in promises
#1 by amount across the whole portfolio.
4.7×
more promises
297 vs. 64 for the average agent.
3.2×
more value
$49.7M vs. $15.7M for the average agent.
It tops the portfolio ranking
Promise amount per agent · agents anonymized.
The bot promises $49.7M on the portfolio — more than any agent. Average ticket: $167,445 per promise; lower because it works portfolios with smaller balances, but by volume it generates more promises and more value than any agent.