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Financial ServicesSolution

AI-Assisted Collections

An AI assistant that prioritizes accounts, recommends outreach, and drafts compliant collections communications.

Solution
Generative AI
Industry
Financial Services
Company Size

Solution Overview

industry
Financial Services
solution
Generative AI
technologies
Azure OpenAI, Azure Machine Learning, Copilot Studio, Microsoft Fabric, Dynamics 365, Microsoft Purview

The Challenge

Collections teams work queues ordered by days-past-due and balance, which says nothing about who is actually likely to pay or what would prompt them to.

  • 1Queues ordered by days-past-due and balance rather than likelihood to recover
  • 2Generic, mistimed outreach that fails to prompt payment
  • 3Agent-improvised wording creating conduct and regulatory exposure

Our Approach

CloudGate builds a collections intelligence layer that risk-ranks accounts by expected recovery rather than age, recommends the next best action and channel per customer, and drafts compliant, tone-appropriate outreach for agent review.

  • Expected-recovery scoring that ranks accounts by value of working them, not by age
  • Next-best-action and channel recommendation per customer and situation
  • Compliant outreach drafting from an approved template and tone library

Typical Outcomes

Higher
RECOVERY RATE ON WORKED ACCOUNTS
Prioritized
EXPECTED-RECOVERY QUEUE
Compliant
CONSISTENT, POLICY-ALIGNED MESSAGING

Typical outcomes for this solution pattern, not the results of a named client engagement.

Technologies Used

Azure OpenAIAzure Machine LearningCopilot StudioMicrosoft FabricDynamics 365Microsoft Purview
Full architecture and data flow in the Data & AI Catalog

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