Recognized by Latam Tech Report
The First AI-Powered Collections Infrastructure in Latam & Europe
Automate collections operations, improve recovery performance, and reduce operating costs with AI-powered workflows and intelligent account prioritization. From early delinquency to charged-off portfolios, all managed through one intelligent infrastructure.
✔ Up to 25% higher recovery
✔ Up to 30% lower operational costs
✔ Omnichannel collections automation
✔ Up to 25% higher recovery
✔ Up to 30% lower operational costs
✔ Omnichannel collections automation
Industry leaders already run their collections operations with us.
SUCCESS STORIES
Proven Recovery Results Across Industries
See how banks, fintechs, telecoms, and retailers improve debt recovery performance with Colektia's AI infrastructure.
Early-stage collections for credit card accounts
- Sample analyzed: 12,000 accounts (6K managed with AI vs. 6K managed by traditional collection agencies)
- Both groups operated under the same delinquency window and under comparable conditions.
Cure Rate
78%
vs 75% higher recovery rates with AI
Result
3.6X
lower operational cost
Conclusion
Colektia's AI outperformed traditional collection agencies while significantly reducing operational costs.
AI-powered early-stage collections
- Sample analyzed: 4,882 accounts during a 3-month pilot.
- +3.99 percentage point increase in recovery rates vs. traditional collections
Result
+215KUSD
additionally recovered in one month
ROI
Positive
from month one
ConclusiOn
Colektia generated positive ROI in the first month while increasing recovery performance compared to the traditional collections model.
Scaling Digital Collections Operations
- From 30% to 100% of the digital collections segment in 18 months
Result
114%
increase in daily contact rates
Increase
400%
in Promise-to-Pay agreements (PTPs)
Conclusion
Banco Falabella scaled its digital collections operation after matching traditional call center recovery performance.
AI-Powered Collections Solutions for Every Stage of the Customer Lifecycle
Colektia automatically adapts collections strategies based on delinquency level, customer behavior, and recovery probability.
We don't segment by product. We optimize by recovery potential.
We don't segment by product. We optimize by recovery potential.
Early-Stage Delinquency
- Predictive account prioritization
- Automated debt collection workflows
- Omnichannel reminders, renegotiations, and payment promises via WhatsApp, Email, SMS, Voice, and AI Agents
Results
Up to 25% higher recovery rates in less than 8 weeks.
Charged-Off Portfolios
- AI-powered contactability models that reactivate inactive accounts
- Intelligent payment plan negotiations
- Smart discount strategies and human escalation when negotiation requires it
Results
Recover more from previously inactive portfolios.
What Our Clients Say
With more than 7 years of experience and operations across 11 countries in Latin America and Spain, Colektia is the strategic AI collections partner for enterprise companies.
“We used to have high operational expenses, low collection results, and a strong dependence on manual operations. With Colektia, we achieved recovery results comparable to in-house collections while reducing operational costs by 54%.”
What they value most
Efficiency
Reduced operational burden
Consistent recovery performance
“With Banco Santander, we achieved a 78% cure rate on early-stage delinquent accounts, reduced operational costs, and increased recovery by more than $25,000 USD through a fully digital collections process.”
What they value most
Cost reduction
High containment rates
Higher recovery
“Colektia’s strategy avoids overwhelming customers with mass messaging. Its AI adapts the channel and outreach intensity based on each customer’s response — making collections less intrusive but consistently present. We saw improvement over the control group in the very first month.”
Fernando Solano Vida
Collections Strategy & Clock Manager
What they value most
Intelligent outreach
Improved right-party contact
Speed
“Our challenge was right-party contact and portfolio coverage. With Colektia’s virtual agents, we improved both portfolio management and customer reach. The AI agent’s interactions feel remarkably close to those of a human agent.”
What they value most
Immediate scalability
Availability without expanding headcount
Natural interactions
Increase Recovery Without Scaling Collections Teams
Colektia identifies the exact point where AI-driven collections outperform traditional models — and where human intervention creates the highest recovery impact.
- AI automation for high-efficiency collections stages
- Human assignment only when it maximizes negotiation outcomes
- Continuously optimized through real-world customer interactions
- Smarter operational allocation across the collections lifecycle
AI Colly
Conversational AI for Debt Collections
Hi, I'm AI Colly!
Powered by colektia
Up to 25% better recovery performance than traditional call centers.
- AI voice and chat agents available 24/7
- Personalized communication strategies
- Automated payment reminders and promises
- Continuous learning from customer behavior
Available 24/7
Natural Conversations
Continuous learning
The Entire Collections Ecosystem in One Infrastructure
Two modules that work together to manage your full cycle — no isolated systems, no duplicated processes.
Talk to an expertAI Digital Collections Management
Automate communication and recovery with customers using digital channels and intelligent workflows.
AI Collections Core
The operational core of the infrastructure: organize, automate, and power decision-making.
Leading the Future of AI-Powered Debt Collections
“Companies that are slow to adopt AI-driven collections solutions will see their recovery rates suffer.”
Operating Across Latin America and Spain
With operations in 11 countries across Latin America and Spain, Colektia works with leading enterprise organizations to modernize debt recovery operations through AI.
MExico
Chile
Colombia
PerU
DOMINICAN REP
Guatemala
Costa Rica
SALVADOR
PanamA
Venezuela
Ecuador
SPAIN
Enterprise-Grade Security and Compliance
ISO 9001
Quality Management
Continuous improvement and operational standardization across all internal processes.
ISO 27001
Information Security
Comprehensive protection of confidentiality, integrity, and availability of data.
SOC REPORTS
SOC Reports (Service Organization Control)
Independent audits that validate our security controls and operational best practices.
What the press is saying about Colektia
Colektia, an AI-powered debt collection management company, closes a $9M round led by Mouro Capital.
Read the full article
Our Investors & Accelerators
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Frequently Asked Questions
What is Colektia?
Colektia is the first AI-powered debt collections infrastructure in Latin America. It helps enterprise companies automate debt recovery operations, improve recovery performance, and reduce operational costs through AI-driven collections workflows.
Which stages of the collections lifecycle does Colektia support?
Colektia was designed for large-scale debt collection operations, including early delinquency, charged-off portfolios, and digital recovery processes across banking, fintech, retail, telecommunications, and other enterprise segments.
How does Colektia improve debt recovery?
Colektia uses predictive AI models, omnichannel communication, automated collections workflows, and intelligent portfolio prioritization to improve recovery performance while reducing manual operational effort.
Which industries can benefit from Colektia?
Banks, fintechs, retailers, telecom companies, insurers, and enterprise organizations managing large debt portfolios can use Colektia to modernize collections operations with AI.
How long does implementation take?
Companies can transition from manual collections processes to AI-powered collections operations in less than 8 weeks through Colektia's fast and secure implementation process.
Get better results
Transform Your Debt Collections with AI
Increase recovery rates and reduce operational costs with AI-powered debt collections infrastructure.
