Built for lenders with thousands of overdue accounts
For consumer finance, credit cards, BNPL, and personal loans, BLU365 automates recovery work manual teams cannot cover, increasing capacity without more hires.
Manual outreach leaves collections teams over capacity
In Brazil, overdue portfolios are growing as traditional-channel contact rates decline. Labor expenses rise, but recovery results stay flat.
Headcount does not scale
Collections hiring creates a fixed expense that remains when volume falls. Staffing for peak demand leaves unused capacity during regular periods.
Declining contact rates
Borrowers ignore calls and mass email. Traditional outreach gets fewer opens and replies as overdue balances accumulate.
Compliance pressure
Scaling manual contact raises CDC and LGPD compliance exposure. A single complaint may prompt a review of the full collections operation.
AI manages direct borrower outreach at scale, staff handle escalations
BLU365 automatically conducts borrower conversations throughout recovery. Your team reviews dashboard performance, handles exceptions, and decides cases requiring human judgment.
AI covers the volume
Each overdue account receives tailored contact through the appropriate channel and timing. BLU365 manages simultaneous recovery conversations without extra hires.
Your team monitors outcomes
A real-time dashboard tracks recovery rates, channel results, and resolution timing. Managers can identify effective approaches and adjust settings without opening individual accounts.
Human review for escalations only
When an account remains unresponsive through the set cadence, BLU365 sends it to human review. Staff focus on judgment calls instead of repeated first-contact attempts.
Collections operations with BLU365 in action
A collections manager at a mid-size consumer lender begins with results review instead of calls.
First-quarter findings from early-access lenders
Internal early-access pilot covered 3 lender clients, ~2,400 overdue accounts, across Q4 2025-Q1 2026.
Internal early-access pilot: 3 lender clients, ~2,400 accounts, Q4 2025-Q1 2026. Portfolio mix affects individual results.
Leave volume behind. Focus on outcomes.
Schedule a demo to see BLU365 take a portfolio from import through confirmed payment.