We turn a flat dialing list into a governed, prioritized strategy
AI scores every account on likelihood to pay, inside a governed, audit-ready framework certified for security and privacy.
8 of Top 10
Credit Card Issuers
3 of Top 10
BNPL providers
7 of Top 10
Fintechs
WHY THIS MATTERS
There is more data, more scrutiny, and less time to act
AI-driven decisioning is now standard in collections, while recovery scale and tightening AI rules raise the bar on governance
scale of recovery
$18.8T
US household debt hit a record $18.8T in the fourth quarter of 2025, far more accounts than any team can work without analytics to prioritize.
Federal Reserve Bank of New York, Household Debt and Credit Report, February 2026
AI Under Governance
August 2026
From the August 2, 2026, AI used in credit decisions becomes high-risk under the EU AI Act, which requires data governance, human oversight, and documentation.
European Commission, EU AI Act regulatory framework, 2026
AI in maintstream
52%
Agentic AI is already in active adoption among 52% of financial services firms, so data-driven decisioning is now the norm rather than the edge.
Cambridge Centre for Alternative Finance, Global AI in Financial Services Report, 2026
PROVEN OUTCOMES
We work the right accounts first and lift recovery
The right accounts are prioritized, with every decision scored, reported, and audit-ready
100%
accounts scored
A gradient-boosting model scores each account from 1 to 100 on likelihood to pay, so effort goes where it pays first.
Thousands
of segments
Customers are micro segmented, each with a tailored offer, channel, and timing strategy.
20%
CTR increase
AI-personalized content lifted email open rates by 9% and click-through rates by 20% across digital channels.
99.9%
quality scores
Under strict federal governance, we recovered defaulted loans at 99.9% quality scores for a federal education agency.
Analytics that Runs Collections
Collections analytics that actually change the recovery curve
From propensity-to-pay scoring to channel and timing strategy, the intelligence runs inside the operation — and the results show up in the outcomes we own, operate, and deliver.
Propensity analytics
Put effort where it pays
We use a persona engine to identify the best time, channel, and offer, while an affordability model recommends realistic payment plans. Together, they lift offer acceptance by ~8% and route low-probability accounts to lower-cost channels.
Accounts scored from 1 to 100. Engineered features for segmentation.
Reporting and dashboards
Optimize in real time
We provide custom dashboards with reporting across inventory, channel, and advisor performance, plus real-time insights for personalized offers and engagement cadences. Every interaction delivers transaction-level visibility.
Proprietary platform captures every transaction
Governance and oversight
Stay audit-ready
We maintain a defensible audit trail for every account, with bankruptcy, deceased, military service, and litigious scrubs completed before contact.
ISO 27001 and SOC 2 Type 2 · PCI-DSS, HIPAA, HITRUST, and others as applicable.
WHO WE SERVE
Analytics that catches the nuances of every industry, every segment
We serve across industries where every customer segment is scored, reported, and governed to its own regulatory and data protection standards.
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Financial Services
Every credit account prioritized
We prioritize every credit account using propensity-to-pay scoring and real-time reporting to direct effort to the accounts most likely to resolve.
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Energy and Utilities
Live performance visibility
We provide payment-journey analytics and real-time dashboards that track recovery and affordability across high-volume energy and utilities books.
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communications
Contact strategy tuned by the data
We optimize contact strategies for telecom and cable accounts using analytics to improve who we reach and when, governed by the operator's conduct standards.
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CUSTOMER STORY
Recover under the strictest governance at 99.9% quality
We ran a governed collections operation and owned the outcomes we delivered. Every time.
US federal education agency
Rehabilitations per advisor rose 120%
A cabinet-level US federal agency responsible for overseeing more than hundreds of billions in annual education funding needed to recover defaulted student loans while operating under stringent federal oversight. Every borrower interaction had to meet exacting standards for compliance, documentation, and customer treatment.
We helped modernize and strengthen the collections operation, combining operational excellence with a borrower-centric approach. The result was improved engagement and recovery outcomes delivered within a robust governance and quality framework.
We helped modernize and strengthen the collections operation, combining operational excellence with a borrower-centric approach. The result was improved engagement and recovery outcomes delivered within a robust governance and quality framework.
Billions
dollars over seen
50%
reduction in training time
99.9%
quality scores
100+
specialists
INSIGHTS
Latest from the Firstsource team
Insights from the field, real operations, real outcomes, and perspectives from the people making it work in live operations.
Case Study
How a multi-state US electric utility accelerated $305M through digital outreach
A large, multi-state US electric utility partnered with Firstsource to modernize its collections and customer outreach operations through digital communications. The objective was to supplement existing mailed and field-based processes with timely, electronic outreach that could expand customer response windows, encourage self-serve payments, and reduce reliance on field activity.
Contact us
You have too many accounts and not enough certainty
See your portfolio scored, your governance posture mapped, and outcomes underwritten.
- We score a sample of your accounts so you see the prioritization on your own data.
- We map the reporting and oversight model to your regulators, not to a generic dashboard.
- Every decision comes with a defensible, audit-ready trail from day one.