AI-Powered Collections Infrastructure

What is Colektia?

We help companies collect more efficiently and cut costs in under 8 weeks, optimizing collections operations and improving the customer experience across the entire recovery cycle.

See how Colektia works

Industry leaders already trust us with their collections operations.

Why choose Colektia?

It brings together domain expertise, proven AI, and measurable results.

Superior Recovery

Lift liquidation rates by up to 25% vs. traditional collections methods.

Immediate Efficiency

Cut operating costs in under 8 weeks.

Advanced AI

Predictive segmentation and AI voice agents that outperform human teams.

Proprietary Technology

8 years of specialized AI development, trained on real-world portfolio data.

Backed by Industry Leaders

Trusted by companies like Nubank, Santander, Falabella, Banamex, and Cashea.

Regional Reach

Active in 10+ countries, with offices in Mexico and Chile.

How does Colektia work?

Traditional collections operations are manual and fragmented. Colektia automates the entire recovery cycle with AI, delivering superior results in less time.

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Workflow Automation

Auto-assigns collection accounts.
Prioritizes accounts using AI-driven scoring.
Executes collection actions with zero human intervention.

Intelligent Segmentation with Machine Learning

Identifies the optimal channel for each customer.
Determines the most effective message.
Pinpoints the best time of day to make contact.

Efficient Omnichannel Servicing

Automated WhatsApp Business outreach.
Personalized SMS.
Collections-focused email campaigns.
Outbound calls with a conversational AI voice agent.

Result: up to 75% higher right-party contact (RPC) / contactability.

Advanced Predictive Analytics

Predicts payment behavior.
Identifies early-stage delinquency risk.
Generates tailored recovery strategies per segment.

Featured Colektia Clients

Industry leaders across Latin America and Spain trust Colektia's infrastructure to run their collections operation.

Colektia's Key Advantages

1. Operational Savings

Up to 30% lower cost-to-collect vs. traditional collections models.

2. Growing Recovery

Liquidation rates climb between 15% and 29% month over month.

3. Full Visibility

Real-time transparency and monitoring, with direct access to portfolio reporting.

4. Data-Driven Strategies

Tailored treatments built on deep analysis of your portfolio.

5. Fast Integration

Quick, secure go-live with hands-on expert onboarding.

Who uses Colektia?

Colektia's infrastructure is built for organizations managing large receivables portfolios at scale, across sectors such as:

Financial Services

Traditional and digital banks

Fintechs and neobanks

Microfinance institutions (MFIs)

Credit unions / credit cooperatives

Retail and E-commerce

Department stores

Retailers offering direct credit

BNPL and consumer-financing platforms

Telecommunications

Mobile carriers

Internet and cable providers

Streaming services

Other sectors

Insurance carriers

Utilities (water, electricity, gas)

AI Agent Colly: Collections with Superior Results

One of the standout innovations on the Colektia platform is Colly, our AI voice agent that lets organizations collect in a fluid, empathetic way. Here's how it works:

Hi, I'm AI Colly!

0:00

Available 24/7

Natural conversation

Continuous learning

See Colly in action

Be part of the story

Is Colektia right for your portfolio?

Find out whether your organization is a good fit for our platform.

Schedule a free consultation

Check the criteria that apply to your company

We service more than 1,000 collection accounts per month.

Our delinquent (past-due) portfolio exceeds $100,000 USD.

We run collections teams with high operating costs.

We need to lift our liquidation / recovery rates.

We manage portfolios in Latin American markets.

We built the first AI infrastructure for large-scale collections in the region to increase recovery rates, reduce costs, and provide real-time operational visibility.