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Callbook

Automated collections. Human touch.

Bigger recovery comes from understanding customers, not from hounding them.

Automated collections with intelligent follow-up — conversation flow
Callbook
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We run your entire collections operation with AI

We prioritize, contact, and follow up — no manual ops.

  1. 01We prioritize every account
  2. 02We reach out across channels
  3. 03We negotiate payment promises
  4. 04We report recovery in real time
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Classify

Before operating, we classify every account by ability and willingness to pay.

  • Treating everyone the same is expensive.
  • Each profile gets the right intensity.
Capacity × willingness to pay quadrant
Callbook
Tipo A
High capacity · High willingness
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Type A — Pays on their own

Has both the ability and the will to pay. Just needs a gentle nudge.

  • Would have paid anyway.
  • Extra outreach only adds cost and friction.
Tratamiento
Automated reminder via SMS or email. Zero calls.
Callbook
Tipo B
High willingness · Limited capacity
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Type B — A reminder is enough

Willing to pay but forgot or lost the invoice. With a light touch, they pay.

  • Forgot the invoice or the amount.
  • Without a reminder, they slide into older buckets.
Tratamiento
A short call or conversational SMS. Reminder plus payment options.
Callbook
Tipo C
Capacity exists · Willingness must be built
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Type C — Intensive management

Can pay but won't. Needs strategy, not linear effort.

  • Prioritizes other expenses and avoids the call.
  • Where human ops burn out.
Tratamiento
Coordinated multichannel. AI agents that negotiate, human escalation when there's a real objection.
Callbook
Tipo D
Low capacity · Low willingness
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Type D — Won't pay

Past the threshold. Insisting wastes money; identifying them early frees capacity.

  • Identifying them in time avoids wasted effort.
  • Moves to accounting or legal per policy.
Tratamiento
Remove from active operations. Write-off or legal referral per policy.
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Portfolio map

Each profile with its own treatment. Zero effort spent on non-performers, maximum focus on those who convert.

Matriz capacidad × voluntad — A · B · C · D
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Each account follows its own sequence

The system picks the initial channel and decides the next step based on profile and response.

Decision process and channel strategy by account type
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Before and after

Operational gains push the metrics your risk committee reports on.

1
Operational · Coverage

Full coverage

100%
daily portfolio coverage
antes: 35%
35%100%
same day
first contact (before: 8 days)
2
Operational · Contact

Better contact and conversion

59%
contactability
antes: 28%
W1W2W3W4
−65%
cost per dollar recovered
3
Financial · Portfolio

Lower NPL and provisions

−58%
90+ day NPL (12% → 5% of portfolio)
Antes
38%
22%
16%
12%
12%
Después
56%
22%
Al día
1-30
31-60
61-90
90+
−56%
regulatory provisioning estimate (16% → 7% of portfolio)
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Ask it anything
Example questions you can ask the Collections Brain
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Collections Brain

An AI with full context of your operation. Answers, suggests, and audits in real time.

Natural-language questions
Who with balances over 5,000 promised to pay this week?
Live indicators
Recovery, contactability, promise fulfillment, and cost per collection.
Proactive suggestions
Which segments are slipping, where to shift effort, and which script started to fail.
Full audit trail
Every interaction transcribed. Every commitment logged.
Brain · Reporting
Live
Contactability
78%
+6 pts vs. last month
Promises / day
342
+18 vs. baseline
Recovery
$1.24M
94% of target
Cost / collection
$4.20
−22% vs. last month
Brain
“Of the 4,812 clients in bucket 31-60, 612 promised to pay between Tuesday and Friday. I recommend focusing follow-ups on the $1,000-3,000 balance range.”
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How do we start?

Fast implementation. Operations and reporting from day one.

Phase 01
Initial alignment

Define portfolio, channels, rules and KPIs.

Phase 02
Portfolio integration

Receive Excel, CRM or API. Configure the operation with your context.

Phase 03
Operation launch

Activate management and live reporting.

Sales contact
sales@callbook.ai
+1 628 306 0372