Collections Agent
Reaches delinquent customers at the right cadence, presents updated amounts, negotiates installments within limits and records agreements in your system.
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Solutions by sector
Collections that recover and service that builds loyalty, with banking-grade governance
AI agents that negotiate debts respectfully, answer customers 24/7 on WhatsApp and voice, and keep every conversation auditable — connected to your core system, CRM and dunning workflows.
The pains holding your operation back
Huge collection portfolios with small teams: manual workflows only reach a fraction of delinquent customers.
Customers waiting in line to solve simple things: invoice copies, limits, payment slips, application status.
Each channel (phone, WhatsApp, email) with a different history and no unified audit trail.
Tight compliance: any approach outside the workflow or after hours becomes legal and brand risk.
How SON.IA can operate
Conversational collections on official WhatsApp: respectful outreach, up-to-date amounts from your system and negotiation within the limits you define.
24/7 self-service for repetitive requests: invoice copies, application status, limits and product questions resolved instantly, in text or voice.
Complete audit trail: every message, agreement and escalation recorded — governance and LGPD by default.
Smart escalation: sensitive cases, disputes and exceptions go to a human with full context.
These are application references. Execution depends on the validated process, available data, permissions and integrations enabled for the project.
Operational AI for the industry
From conversation to action, with governance and human participation
SON.IA connects communication, knowledge and processes in a continuous journey. The final design is validated with your team before going live.
- 01
Understands context
Organizes intent, history and authorized data from the interaction.
- 02
Applies rules and knowledge
Consults approved content and follows the limits defined for each scenario.
- 03
Executes the next action
When configured, triggers workflows or native apps and records progress.
- 04
Hands off to a person
Sensitive cases, exceptions or critical decisions go to the team with context.
Scope, permissions, records and handoff criteria are defined during implementation. No example represents a guaranteed result for every operation.
AI agents that can compose the scenario
Customer Service Agent
Answers invoices, payment slips, limits, application status and product questions 24/7 — on WhatsApp, webchat and phone.
Onboarding Agent
Guides account opening and sign-ups: collects documents, explains steps and follows the customer through activation.
Anti-fraud Agent
Confirms suspicious transactions with the customer in seconds, on the channel they already use, escalating incidents to security.
Use cases to validate
- Debt negotiation closed in-conversation
- Instant invoice and slip copies
- Suspicious transaction confirmation
- Credit application status
- Onboarding and account opening
- Preventive reminders before due dates
Illustrative scenario
Without automation
Manual collection workflows reached 20% of the portfolio; support queue full of invoice-copy and application-status requests.
Illustrative scenario
With SON.IA
AI can expand coverage of the eligible portfolio, support agreements in-conversation and handle repetitive requests — with the team focused on high-value cases.
Governance applied to the workflow
Implementation can combine agent scope, permissions, interaction history, business rules and human handoff criteria. Data handling and applicable controls must be configured according to the process, industry and company obligations.
Content to go deeper
Articles related to this sector
Tutorials, guides and materials from our blog curated for your niche — from your first agent to measuring results.
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Tutorials
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Frequently asked questions
Does SON.IA meet financial-sector security requirements?
The implementation should define authorized sources, permissions, records, retention, and approvals according to the institution's process and risk. Available controls must be validated in scope and do not represent automatic compliance.
How do conversational collections work?
The agent reaches the customer respectfully on official WhatsApp, presents updated amounts, negotiates within the workflows and limits you define and records everything in your systems — escalating to humans when needed.
Does Sonia integrate with my core banking system or CRM?
Yes. The platform connects to the ecosystem the institution already uses — core, CRM, ERPs and custom APIs — checking contracts, invoices and limits in real time during the conversation.
Can I measure the return of collection workflows?
Yes. Dashboards show closed agreements, recovered amounts and response rates per workflow — and you can estimate returns with the ROI calculator using the financial profile.