Collections

Automated collections with AI agents: from cold receivables to confirmed payment.

Autonomous collections is a process where an AI agent reaches the debtor, negotiates within the institution's policy and records the payment commitment without human intervention. Here it runs across the whole portfolio in parallel, reaching out at the optimal moment.

Consumer banking and lenders · Central America

A collections officer on a phone call from the office

The starting point

The team ran the numbers before calling us. It was never a question of effort: it was arithmetic.

420accounts assigned to each officer

6 minper full action: dial, wait, explain, record

42 hto work through the list a single time

40 hin an entire working week

And that list was early arrears only. Whatever went uncontacted in the first days moved to late-stage arrears, where recovery costs several times more.

How it runs

From portfolio upload to the validated payment.

01Portfolio intake
Daily API load: days late, amount and balance.
02Per-customer analysis
History, effective channel and response hour.
03Outreach and negotiation
WhatsApp or call at the optimal moment.
04Promise recording
Amount, date and reason to the CRM, with a reminder.
05Validation and closing
OCR validates payment. Off-policy cases escalate.

What it uses from Shimli

The pieces behind automated collections.

AI agents

They negotiate within authorized extensions and escalate anything outside policy.

How it was used here
The extension table the committee approves was loaded: up to two payments, no principal forgiveness.
The agent only offers a plan if balance and days past due fall inside that table.
Outside it, it doesn’t negotiate: it hands the case to an officer with the full conversation.

CrediAmigoAgent · actionslive

buscarUsuarioDatabaseLook up the customer by ID

clasificarUsuarioLogicClassify the credit level

requisitosDataValidate approval requirements

aprobacionLogicConditions to approve credit

cuotaMensualComputeCompute the monthly payment

Code InterpreterWeb Search

Flow Builder

The whole journey: trigger by days past due, branches by balance and action by channel.

How it was used here
The trigger is day 3 past due, not month-end.
Branches by balance: low amounts go to WhatsApp, high amounts to a call.
With no reply in 48 hours, the flow retries through the other channel.

Flow canvas

Start

BranchContact · 5068…Contact · 5066…Else

AI AgentCrediAmigoDigital assistant · live

AI voice

A natural-voice call when the amount or the profile calls for it.

How it was used here
It only kicks in on high balances and customers who never read the WhatsApp.
It uses the same script and the same extensions as the text agent.
It’s recorded and transcribed inside the same CRM case.

AI call · in progress01:24

Customer · Collections+504 ···· Voice

AgentA reminder of your $1,250 payment. Want to defer it?

CustomerYes, in two installments please.

Mass campaigns

Reminders by arrears bracket, with delivery and reads measured in real time.

How it was used here
One send per bracket: 1 to 15 days, 16 to 30, 31 to 60.
Approved utility template, at each bracket’s peak read time.
Whoever doesn’t read it enters the one-to-one outreach flow.

2,608Enviados

2,506Entregados

1,782Leídos

395Rechazados

Sent100%

Delivered96%

Read71%

Measured in production · 2025

$2.5M+recovered in overdue receivableswith AI agents · 2025

7×proven returnrecovered per dollar invested

$31M+in payment promisesrecorded and validated · 2025

80%of queries resolvedwithout human intervention

The outcome

What changes in collections operations.

01Portfolio coverage

The whole portfolio managed in parallel, not just the fraction the team could reach before cases went cold.

02Cost per action

Volume grew without adding headcount: cost stopped rising with every new customer.

03Traceability

Every agent decision is audited: what it analyzed, what it decided, under which policy and when.

The institution's name is withheld under a confidentiality agreement. We can share a direct reference during the commercial process.

The other three processes

The agent runs the same way on every one of them.

CreditFrom the incomplete file to a decision with everything in view.See the case SupportFrom the message queue to the reply that resolves.See the case OperationsFrom the WhatsApp order to the invoice issued.See the case

What people ask before getting started.

Straight answers on what Shimli is, what it costs, what it integrates with and who is behind it.

Shimli is a platform to build and run AI agents inside a company's operation. An AI agent is a program that understands the context of a conversation, queries the institution’s systems, decides within the policies defined for it and carries the task through to the end. It is built by Sheilim LLC, headquartered in Miami.

A chatbot replies from a script: it recognizes an intent and returns text written in advance. An AI agent understands context, analyzes information, executes tasks in the institution’s systems and escalates to a person when needed. A chatbot replies; an agent resolves.

One plan at $139 a month with every feature on the platform: there are no editions or tiers. It includes 3 human seats and 1 admin, 1 Flow Builder, WhatsApp, Facebook, Instagram and web connection, and unlimited WhatsApp templates. Added separately: an extra instance at $59 a month, an extra Flow Builder at $19, an extra human seat at $9, and AI usage at $49 per 2,450 queries. You can create the account and get into the platform yourself.

Let's build this same case
on your operation.

We review your collections process, identify where the agent fits and define with you the indicators we're going to move. No commitment, nothing to install.

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