The detailNothing reaches the borrower until a person signs it, and every step can be replayed for audit.
Practice: Agents propose. A person signsThe problem
The first sign a borrower is struggling, such as a bounced auto-debit, arrives as an event within minutes of happening. Most lenders read it the next morning in a batch report, after the window to help has narrowed.
What we built
An early-warning loop for collections. The signal reaches an agent as it happens. The agent proposes a response inside the lender’s policy, such as a reminder, a call or a hardship plan, and a person approves it. Every step is recorded so it can be replayed and audited.
How it works
Payment and account events flow over an event broker. The agent reads the borrower’s recent history through read-only tools and drafts a proposal with its reasons. Nothing reaches the borrower until a person signs it.