AI Agents for Credit and Collections
PathPilot is a platform of AI agents for credit and collections. Specialized agents handle origination, servicing, collections, and audit so lenders recover more, decide faster, and stay in policy.
Grow your lending business while reducing operating costs. Recover more, make faster loan decisions, and deliver a better experience.
Meet your AI agents for lending operations
PathPilot Origination Agent
The PathPilot Origination Agent qualifies applicants, collects and validates documents, and connects to underwriting so lenders make faster credit decisions.
PathPilot Collections Agent
The PathPilot Collections Agent is an AI agent for collections: it contacts accounts, negotiates payment plans in policy, and logs every promise to pay.
AI agents for collections
PathPilot Servicing Agent
The PathPilot Servicing Agent answers balance, payment, and account questions across voice, WhatsApp, and chat, and hands complex cases to people with full context.
PathPilot Audit Agent
The PathPilot Audit Agent reviews 100% of human, agency, and AI conversations to flag policy breaks and produce an audit trail for credit operations.
Questions from lending leaders
How does the PathPilot Collections Agent help us recover more at a lower cost?
The PathPilot Collections Agent contacts more accounts without requiring proportional growth in headcount. It follows your negotiation policies, captures payment commitments, manages follow-ups, and escalates only the cases that require human judgment. Our customers typically operate at around half the cost of comparable human collection teams while maintaining or improving recovery performance.
Can we use the PathPilot Collections Agent before sending accounts to a collection agency?
Yes. The PathPilot Collections Agent is ideal for preventive and early-stage collections. You maintain control of the customer relationship while your internal team and collection agencies focus on complex or later-stage accounts.
How does the PathPilot Origination Agent help us make faster loan decisions?
The PathPilot Origination Agent qualifies applicants, collects and validates information and documents, and connects with your underwriting or risk systems. This reduces manual back-and-forth, shortens decision times, and helps more qualified applicants complete the process.
How does the PathPilot Servicing Agent improve the customer experience?
The PathPilot Servicing Agent resolves routine balance, payment, transaction, and account requests 24/7 across voice, WhatsApp, and other channels. It transfers complex issues to your team with the conversation history and customer context intact.
How does the PathPilot Audit Agent help us maintain quality and control?
The PathPilot Audit Agent evaluates 100% of interactions across your human teams, collection agencies, and AI agents. It detects policy violations, identifies coaching opportunities, and produces complete records for operational and compliance review.
How quickly can we launch a PathPilot Agent?
A controlled deployment can launch in days using a CSV and PathPilot's infrastructure. As the operation expands, the agent can connect with your APIs, CRM, payment systems, WhatsApp account, loan-management platform, or existing PBX.
Will PathPilot Agents work with our existing systems?
Yes. PathPilot Agents can use your APIs, CRM, loan-management system, payment provider, ticketing platform, WhatsApp account, and PBX/SIP infrastructure. You can use your existing systems or begin with PathPilot's infrastructure.
How does PathPilot price its agents?
Pricing is based on the operational work each agent completes. This may include successful collection outcomes for the PathPilot Collections Agent, processed applications for the PathPilot Origination Agent, resolved requests for the PathPilot Servicing Agent, or evaluated interactions for the PathPilot Audit Agent.
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