The balance gets resolved either way. The relationship is what's at stake.
Your collectors are talking to next year's mortgage applicant. Posh prepares them before the call, answers policy questions during it, and scores every conversation after. Fewer roll-forwards, fewer complaints, and a member who still banks with you when the account is current again.
The easiest AI conversation your compliance team will have
Posh Simulator talks to your collector. Knowledge Assistant answers your collector. CoachQA reads a transcript after the fact. Posh Translate interprets what a human already said. Every product sits behind the rep, not in front of the member.
That matters, because collections is the part of your institution most likely to generate a complaint, an examiner question, or a UDAAP finding. Posh gives you a record of what was said on every call, not a sample.
What your risk team gets
- Documentation on 100% of collections calls, retrievable by rep, account type, or date
- Evidence of consistent treatment across similar hardship situations, the thing UDAAP reviews turn on
- Version history showing when a payment program changed and what reps were told
- Role-based access control, audit logging, encryption at rest and in transit
- Interpreted calls documented and scored like every other call
AI for collections teams: ready before the call, right during it, proven after
Collections outcomes aren't decided by your dialer. They're decided in the ninety seconds after someone picks up. Start with one product or run all four. They read from the same knowledge base either way.
Posh Simulator
Nobody should learn a hardship conversation live.
Your hardest calls are the ones your newest collectors are least prepared for. The member who lost a job, the account holder who has died, the person who says they've retained an attorney, the caller already angry at three prior attempts. Simulator runs reps through realistic voice conversations and scores every attempt against your own criteria. New collectors reach the floor already tested, not shadowing until someone decides they seem ready.
Learn moreKnowledge Assistant
The answer, mid-call, with the policy section attached.
Payment options, hardship and workout programs, dispute handling, state requirements, and what's actually allowed on the account in front of them. Today that lives across dozens of documents and a few people who happen to remember. Knowledge Assistant returns a sourced answer in seconds, so reps stop guessing and stop putting members on hold. Every answer cites the document and section, and every lookup is logged.
Learn morePosh CoachQA
Every call scored, not the handful somebody had time to pull.
Most teams review a handful of calls a month, which means most misses are never found and your best collectors' habits never spread. CoachQA scores 100% of conversations against your scorecard, flags what should have happened and didn't, and shows managers where each rep needs work. When a complaint arrives six weeks later, the call is already scored and the record is already there.
Learn morePosh Translate
A collections call is the worst place for a language barrier.
Live spoken interpretation across 100+ languages on inbound and outbound calls, with a full transcript of every conversation. No interpreter scheduling, no hold time, and no rep improvising in a language they don't speak. Those transcripts feed CoachQA, so a Spanish-language hardship call gets reviewed like any other call instead of disappearing from your QA coverage.
Learn moreUpdate a hardship program once. What reps look up mid-call, what Simulator tests them on, and what CoachQA scores them against all move together.
That's also how coaching stops being a memo. A failed QA item becomes next week's practice scenario, and the policy the rep missed is the same policy Knowledge Assistant surfaces on their next call. Score it, drill it, fix it, before the next shift.
What keeps a collections leader up at night isn't recovery
It's the call you find out about later. The complaint that lands at the CEO's office. The examiner who asks how you handle hardship requests and wants to see it. The member who paid the balance and closed every other account on the way out.
Recovery lift is the upside. Downside protection is what gets the budget approved.
Reps who know the workout options actually offer them. Delinquency that gets cured never becomes a loss.
Difficult calls get de-escalated instead of escalated, because the rep has had the conversation before.
QA reporting that holds up when someone asks to see it, on every call, not the ones that happened to get pulled.
The person on the phone still has a mortgage, a checking account, and a car loan with you. No collections point vendor is built to care about that. Posh is.
Why collections leaders choose Posh
Give your team the preparation, support, and feedback to handle every call well.
- Reps practice difficult calls before they take them
- Every call scored against your criteria
- Weeks cut off ramp without cutting quality
- Instant, sourced answers on payment and hardship options
- Bankruptcy notices, attorney letters, and deceased accounts handled right the first time
- Managers coach from evidence instead of impressions
- Interpreted calls scored like every other call
- New reps learn on real members and real complaints
- Most calls never reviewed by anyone
- Months of shadowing before a rep works alone
- Reps guessing at policy or putting members on hold
- Sensitive situations mishandled and discovered later
- Coaching based on whichever calls got pulled
- Non-English calls never reviewed, because nobody on QA speaks the language
Not a new vendor. An existing one.
Posh is the AI platform already running conversations across the branch, the contact center, and lending at institutions like yours. Adding collections means an expansion, not another security review, another knowledge base, and another procurement cycle.
Ask any collections point vendor how they handle the rest of your institution.
Explore the platformThird-party agencies have different clients, different scorecards, and different rules on every account.
Build a collections team that performs under pressure
Recover more. Escalate less. Document everything. Without more headcount, more systems, or more risk.
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