Opportunity Loss Intelligence
Everyone says "I will pay." We tell you who means it.
Calling every borrower in your book results in the same promise. "I will pay." Still some roll to 60, 90, 120 days past due (DPD). Read the intent behind the words.
The problem
The promise happens on the call. The record keeps a few words.
What the agent logs
- Paid
- Promise to pay
- No promise
- Not reachable
A real promise and an empty one look identical here.
What the box did not catch
- the pause before the date
- the promise with no plan behind it
- the third "Friday" this month
- the account quietly rolling forward
What collections leaders cannot see
- Will this promise actually pay?
- What has to happen to collect?
- What really happened on the call?
- Which chance got missed?
The read a normal audit cannot reveal
The words
"I'll pay by Friday."
On paper: a promise
The voice
Flat, hurried, already hanging up.
In truth: a brush-off
Everyone says "I will pay." Only some mean it.
One call. Every chance to collect, graded.
Your agent logs one disposition. AVI_Collections grades every moment the money was on the table, and what the agent did with it.
Every moment the money was on the table, graded on whether the agent secured it.
- 02:14 Smaller upfront amount Missed
- 05:40 Payment plan Partial
- 07:24 Firm commitment Missed
- 09:05 Callback window Captured
- Missed
- Partial
- Captured
The one number collections never sees: how much of what the call offered your agent actually took.
37%
Of opening capture
Not just "promise to pay." A payment plan the borrower would have taken, offered and dropped, flagged with the second it slipped.
Opportunity Lost
- Type
- Payment plan
- Severity
- Critical
- Detected at
- 07:24
Where the call ran hot or cold, for both sides. Pressure shows up here before it costs you.
- Agent engagement 44%
- Agent positivity 22%
- Cust. engagement 40%
- Cust. positivity 25%
Figures shown are illustrative. On your own calls, accuracy depends on the quality of the recording.
Every call re-orders your book.
Run every call through AVI_Collections and the whole book sorts itself by who actually intends to pay. Your team spends the day on the accounts that will move, and the ones about to roll get flagged before they do.
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Priority list
Every call, one ranked book.
- Who actually intends to pay
- The empty promises eating your agents' time
- The accounts that are one call from the next DPD bucket
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Account memory
Call the same borrower five times, one baseline.
- What they sound like when they mean it
- The day a reliable payer stops sounding reliable
- When to push and when to hold off
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Agent profile
Every call an agent takes, one pattern.
- Who turns promises into payments
- Who keeps logging promises that never land
- Where a week of coaching lifts recovery
Calls that move recovery.
When Decision Signal Intelligence™ reads tone, hesitation, and conviction, every call stops being a promise logged and starts moving recovery.
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Higher recovery
Recovery up 15% to 20% by spending the day on the borrowers who actually intend to pay.
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Fewer roll-forwards
Up to 30% fewer accounts rolling to the next DPD bucket.
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Agent hours that count
Up to a third fewer wasted dials, spent on the real promises instead of the empty ones.
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Recovery you can forecast
A capture read on every call, not a promise count.
Built for revenue maximization.
The same Decision Signal Intelligence™ read, in front of everyone who owns recovery.
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Collections leaders
See at-risk accounts before they roll.
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Team leads & coaching
Coach on the openings agents missed.
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Recovery & RevOps
Forecast recovery on intent, not on promises.
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Risk & compliance
Every call audited, not a 2% sample.
Compliance isn't optional. It's built in.
Enterprise-ready, secure, and auditable by design.
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On-premise
Your calls never leave the building. No transcription bill, no per-token cost.
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Glass box, not black box
Every read traces to the second and the sentence behind it.
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Deterministic
The same call gives the same read, every time. Defensible in any audit.