Automated Debt Collection with AI: How to Reduce Delinquency Without Sounding Like a Pushy Robot

AI applied to debt collection is already cutting delinquency in half while improving customer NPS. The secret isn't automating more. It's automating with judgment.

Northway is an AI agent platform for large companies. The Northway team implements and supports agents that answer on WhatsApp, look up the ERP and update the CRM — in sales, prospecting, collections, purchasing and customer service —, following the rules, access and limits agreed with each company, with the team in control through the Hub.

Solutions

• AI agents for sales: qualify inbound enquiries, book meetings and record them in the CRM.
• AI agents for prospecting: follow up with authorized contacts and hand opportunities to sales.
• AI agents for collections: reminders, approved payment terms and payments recorded in the ERP.
• AI agents for purchasing: requests, supplier quotes and ERP orders after approval.
• AI agents for customer service: answers from approved guidance, tickets with history and handover to the team.
• AI agents for your operation: agents designed around the company’s routine, systems and rules.

Platform

• Hub: where the team follows agent conversations, takes over when needed and manages journeys.
• Campaigns: WhatsApp sends to authorized lists, with every reply handled by the agent.
• Northway OS: questions about the operation answered from connected sources, with actions that require approval.
• Integrations: catalog of connected systems (WhatsApp, CRM, ERP, Google Workspace and more).

Cases and content

• Bunker case: +R$ 1 million in pipeline generated in 3 months, with AI on inbound WhatsApp.
• Ziviani case: R$ 215k in condominium collection agreements signed on WhatsApp, with negotiation, digital signature and down payment in the same conversation.
• HUNTER case: construction photo reports filled in by a computer-vision AI agent — the January–July archive (2,941 photos) in about 35 minutes, versus about 18 days by hand.
• Blog: articles on AI agents, sales, customer service, strategy and implementation.

Contact

• Book a conversation: 45 minutes on Google Meet to map a first process.
• Sales email: [email protected]