Collections Intelligence Agent
The agent works inside the collections cycle: segmenting accounts, generating ranked action lists, drafting payment chasers, escalating write-off risk, and tracking promise-to-pay commitments against actual payment.
Agent in Action
Collections performance depends on timing. The agent turns account movement into a ranked action path before the portfolio review catches up.
Account DPD moves past threshold
Account risk classification updated
Action list ranked by recovery priority
Payment chaser queued for collector approval
Senior collector flagged for write-off risk
Promise-to-pay tracked against actual payment
Weekly collections briefing delivered
Operating Model
Runtime Duties
This is the practical operating surface: the checks it runs, the work it performs, and the actions that stay governed.
Generates the Monday action list at 7am, ranked by DPD, risk tier, and recovery probability.
Drafts payment chasers for day 31, 45, and 60 follow-up.
Escalates accounts approaching write-off thresholds.
Updates account risk classification when DPD or payment behaviour changes.
Generates weekly collections performance briefing for credit leadership.
DPD movement across the portfolio by risk tier and account.
Payment behaviour changes against each account history.
Promise-to-pay commitments and whether they were honoured.
Accounts approaching watch-list and write-off thresholds.
Operational Scenarios
The point is not a smarter dashboard. The point is the moment between a gap appearing and the team being able to act on it.
An account moves from 30 DPD to 45 DPD while the collector has 200 other accounts.
The account appears in the monthly portfolio review after recovery probability has fallen.
The agent detects the movement, adds it to the daily action list, and drafts the chaser for approval.
The Monday action list takes hours to assemble from LOS exports and DPD reports.
Analysts spend the start of the week building the list instead of working it.
At 7am the action list is current, ranked, and ready for collectors to work.
Focused Metric Impact
Zipdata agents are not generic metric coverage. Each one owns a focused process slice and is measured against the operating outcomes that process can actually move.
Moves more accounts into timely action while recovery probability is still available.
Turns manual list assembly and chaser drafting into a scheduled review queue.
How It Is Operationalised
Behind every named agent is a workspace configuration: typed data, watches, feeds, tools, approvals, and memory.
Accounts, invoices, DPD buckets, payment history, promise-to-pay, and collector ownership.
DPD movement, broken promises, risk-tier changes, and write-off thresholds.
Monday action list, exposure briefing, collector queue, and portfolio scorecard.
Payment chaser draft, risk update, collector escalation, and approval trail.
Runs Inside a Workspace
This agent is one program running against a shared workspace: connected entities, analytics, watches, feeds, tools, and approval policies. The same workspace can host several agents, each focused on a different process and metric pair.
See it live in your operation
We configure the agent against your actual account entities, ageing definitions, and escalation policies, then deliver the first Monday action list before we meet.