AI collections that actually move your recovery numbers.
The AI Collections Playbook is a practical implementation guide for collections, recovery, and risk leaders.
The AI Collections Playbook
Get your free copy
PDF · 7 pages · About a 10-minute read
The AI Collections Playbook is a practical implementation guide for collections, recovery, and risk leaders. Get the architecture that works, the KPIs your board will ask about, and a nine-point vendor checklist you can take straight into your next RFP.
- Why bolted-on "AI" keeps your numbers flat and the single decisioning layer that fixes it
- Benchmarks from live portfolios, including a ~19% reduction in charge-off rate and 95% self-service resolution
- A nine-point vendor checklist to separate real omni-channel AI decisioning from a chatbot wrapped in a rules engine
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Trusted by banks, credit unions, and fintech lenders
Why now
Delinquency is accelerating. Your model probably isn't.
The volume hitting your queues isn't going down. That leaves one lever to move recovery rate, cost-to-collect, and headcount efficiency: the model you use to work that volume.
U.S. credit card balances, nearing last year's all-time high
Jump in late-stage (90+ DPD) delinquency in a single quarter
Source: Federal Reserve Bank of New York, Quarterly Report on Household Debt and Credit, Q2 2026.
"If your decisioning model hasn't changed in five years, neither has your ceiling."
The Frankenstein problem
Stop bolting. Start orchestrating.
Seven point tools, one old model. See how a single decisioning layer turns the pieces into a system.
layer
Most "AI" in collections is a hodgepodge of point tools bolted onto an old model. A dialer here, a chatbot there. You optimize the pieces while P&L impact stays flat. We call it the Frankenstein problem, and the playbook shows how to fix it.
What's inside
Built to be used, not just read.
Who it's for
One playbook. Every seat at the table.
AI in collections is a decision that touches recovery, risk, and the board. The playbook gives each of them what they need to move forward.
Collections & recovery leaders
Lift recovery without adding headcount
- Roll rate, charge-off, and self-cure benchmarks
- How to orchestrate voice and digital from one engine
- Personalized payment plans borrowers can sustain
Risk & credit leaders
Defend every decision to examiners and the board
- Explainable decisioning mapped to FDCPA, TCPA, and Reg F
- Charge-off and loss impact you can model
- Real-time visibility and remote audit requirements
Operations, strategy & procurement
Pick the right AI vendor the first time
- A nine-point checklist ready for your RFP
- Cost-to-collect KPIs that scale with volume
- Red flags that signal a bolted-on stack
Proof, not promises
What happens when lenders actually make the shift
Lift in recovery performance
Leading fintech lender, traditional to omni-channel AI
Reduction in charge-off rate
Accounts reaching charge-off vs. baseline
Roll rate improvement
B1 to B2 vs. baseline, personal loan lender
Self-service resolution
Interactions resolved without a live agent
More right-party contacts
Per dialing hour, in-house AMD model
NPV lift per account
ML-optimized vs. rule-based payment plans
Unless noted, figures are averages across Bounce portfolios, drawn from named partner engagements and internal experiments (Bounce Labs, 2026).
Sneak peek
Every vendor says they use AI. Here's how to test it.
Very few vendors have a native decisioning engine that orchestrates channels, personalizes at the account level, codes in compliance, and lowers cost-to-collect at the same time. The checklist helps you separate real architecture from a chatbot wrapped in a rules engine.
Has a demonstrable central AI decisioning engine capable of orchestrating native channels that speak to one another, not bolted on.
Personalizes at the account level, not just the segment level, across channel, message, and payment offer.
Lowers cost-to-collect as volume grows, with measurable reduction in cost per collected dollar and agent hours.
True omni-channel human agents and digital operate as one native system working together.
Learns continuously improving its decisioning with every interaction it runs.
About Bounce
We don't just sell AI collections. We run it on our own portfolios.
Bounce is a technology-first debt recovery and debt purchasing company. Our proprietary engine, AiRE, was built in-house from the start, not stitched together from point tools. We test on our own portfolios first, so you don't have to test on yours.
FAQ
Before you download
Heads of collections and recovery, Chief Risk Officers and credit risk leaders, and the operations and strategy teams evaluating AI vendors at banks, credit unions, and fintech lenders.
The AI Collections Playbook
Your next RFP starts here.
Get the architecture, the benchmarks, and the nine-point checklist trusted by collections and risk leaders across 50+ creditors.
- Why bolted-on "AI" keeps your numbers flat and the single decisioning layer that fixes it
- Benchmarks from live portfolios, including a ~19% reduction in charge-off rate and 95% self-service resolution
- A nine-point vendor checklist to separate real omni-channel AI decisioning from a chatbot wrapped in a rules engine
Built on results from 50+ creditor partners and 2M+ accounts under management
The AI Collections Playbook
Get your free copy
PDF · 7 pages · About a 10-minute read
Instant download. We never sell your data. Privacy policy