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AI-Driven Debt Management Strategy at Geldium

The document outlines a strategy for implementing an AI-powered collections system at Geldium, focusing on data collection, decision logic, and actions taken for debt management. It emphasizes the role of Agentic AI in automating processes while ensuring human oversight and responsible AI practices to maintain fairness and transparency. Expected business impacts include reduced delinquency rates, lower operational costs, improved customer experience, and enhanced trust through explainable interventions.

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Suhas P R
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155 views6 pages

AI-Driven Debt Management Strategy at Geldium

The document outlines a strategy for implementing an AI-powered collections system at Geldium, focusing on data collection, decision logic, and actions taken for debt management. It emphasizes the role of Agentic AI in automating processes while ensuring human oversight and responsible AI practices to maintain fairness and transparency. Expected business impacts include reduced delinquency rates, lower operational costs, improved customer experience, and enhanced trust through explainable interventions.

Uploaded by

Suhas P R
Copyright
© All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as PPTX, PDF, TXT or read online on Scribd

AI-Powered Collections

Strategy

Leveraging Agentic AI for Scalable, Fair, and


Effective Debt Management at Geldium
How the System Works

• Inputs: What customer data is collected (e.g., demographics, repayment


history, credit utilization)?
• Decision Logic: How are actions determined? Does the system use
business rules, model predictions, or both?
• Actions: What outreach or interventions would be triggered (e.g., payment
reminders, hardship offers)?
• Learning: How will the system track outcomes and improve over time?
Role of Agentic AI

Explain which parts of the system will operate autonomously and which
require human oversight. Consider:
- SMS reminders
- Automated risk scoring
• - Triggering follow-ups for high-risk customers (e.g., sending a reminder
email)
• - Offering hardship plans
• - Final decision on account escalations
• - Reviewing anomalies or appeals (e.g., offering personalized hardship
plans)
Responsible AI Guardrails

List and describe key safeguards you would build into the system to ensure it
operates fairly and responsibly, such as:
- Regular demographic fairness audits
• - Monitor false positive/negative rates across income, location, and age
groups to prevent biased outcomes
• - Use interpretable models (Logistic Regression)
• - Share explanations of predictions with business teams for transparency
• - Ensure adherence to GDPR, ECOA, and RBI guidelines
• - Keep data anonymized and consent-based with standards like ECOA,
GDPR, or local laws
• - Manual review for all escalated or sensitive decisions
• - Ethical review board involvement for ongoing monitoring for critical
Expected Business Impact

Summarize in 1-2 slides how your proposed system would benefit Geldium’s
collections strategy, considering both business and customer outcomes:
- 10% reduction in 30-day delinquency
- Lower operational costs via automation
• - Increased repayment rates in targeted segments Reduced
delinquency, increased repayment rates, cost savings
• - Improved customer experience
• - Higher trust due to explainable, fair interventions
• - Scalable, sustainable collections strategy Improved customer trust,
enhanced fairness, increased scalability
[Feel free to add more slides throughout]

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