Start on a slice of the book. Expand once you have seen it work.
A read-write link to your loan management, billing or core system — or scheduled report files where an API isn't available yet. Ayra reads what is overdue and writes every outcome back. Nothing moves and nothing migrates.
You approve the playbook: tone, cadence, negotiation guardrails, escalation rules, compliance constraints. Then Ayra runs in parallel on a slice of your book so you can compare results side by side rather than take our word for it.
AI agents take the routine volume. Your team keeps disputes, hardship and high-value negotiation. You widen the slice at whatever pace the results justify.
A read-write connection to your existing system, or scheduled report files where an API isn't available yet.
Most deployments run on a slice of the book within weeks, not quarters.
That is the normal starting point.
A sample of overdue cases, your current collection process written down, and someone who can approve the playbook.
It depends on volume and engagement model, and we will tell you plainly on the first call rather than after four meetings.
Book a demo and we'll work a sample of your own overdue accounts end to end.