Prodigal

AI agents for loan servicing and collections

[YesPress @yespress_io]

Shantanu Gangal is teaching AI to read the room on a billion debt-collection calls.

Our cover story on @shantanugangal

https://t.co/QwPgVi1n8q via Yespress

[Receivables Info @ReceivablesInfo]

What will collections look like in 10 years?

Kyle Cohen says the companies winning then will be the ones investing in AI now. Smart point for anyone thinking about profitability, automation, and long-term strategy.

Watch the clip and full episode: https://t.co/n7zxH3twJF

[Prodigal @prodigaltech]

Prodigal was at Collection and Recovery Solutions (CRS) 2026 last week in Las Vegas.

AI for omnichannel was conversation everyone was having & for good reason. The industry is moving fast & the room felt it.

Good to connect with many people shaping where collections goes next.

[Prodigal @prodigaltech]

Prodigal was at @tcn C3 2026 in Ivins, Utah this week.

Red rock canyons, an outdoor welcome reception, and conversations that made the trip worth it.

Good way to kick off the week!

[Prodigal @prodigaltech]

For decades, going abroad was the default path for India's best talent.

Sangram Raje, co-founder and CTO of Prodigal, shares his views on why this default is now changing.

@ChannelNewsAsia covered the full story.

https://t.co/EdgyNp5sah

[Prodigal @prodigaltech]

The NCBA Executive Experience 2026.

Ponte Vedra, amazing sessions, and even better conversations. Thank you to everyone who stopped by and talked with us this week.

Until next time.

[Prodigal @prodigaltech]

Tax season gives collections a short, predictable window where delinquent borrowers are liquid and ready to settle.

Most operations treat it like any other month.

Tax Day is April 15. The window is closing: https://t.co/iVNfWSXnWk

[Prodigal @prodigaltech]

Collection agencies don't work every account.

They work the ones that pay best. That's not a flaw, it's how the contingency models are designed.

But the question is what happens to everything else that remains untouched?

Full analysis: https://t.co/P0FVxaEBEm

[Prodigal @prodigaltech]

NYC’s new rules tightens debt collection.

3 contact attempts per 7 days
Dispute rights: anytime, any channel
60 days to verify debt or it becomes uncollectible
Medical debt requires financial assistance disclosures

What's New York requirement today could be nationwide tomorrow.

[Prodigal @prodigaltech]

Tax refund doesn’t change consumer behavior, refund visibility does.

The moment consumers know a refund is on way, decisions get made.

We break down how refund status affects response rates and why timing matters more than volume: https://t.co/KBcxm4rwEM

[Prodigal @prodigaltech]

What we shipped:

1⃣proAgent now uses available consumer data to improve how it hears names in real time.

2⃣proAgent evaluates whether spoken name & name on file sound same, for accents, audio distortion & speech variation.

Now, more consumers pass verification on 1st attempt.

[Shantanu Gangal @shantanugangal]

It started with Clawd
But the name was flawed

Then they did bolt ..
To call it molt 🦞

Any case the future is clear ...
So I spoke with @Forbes here

https://t.co/igaDcZLNNd

[Prodigal @prodigaltech]

At Prodigal, we build voice AI agents for loan servicing & collections.

A wrong output = compliance issue. So the AI we build on has to be solid.

@Inc42 recently wrote about this, and covered how we use @AnthropicAI.

👉 Access the full article here https://t.co/Vu6t1NgfPj

[Prodigal @prodigaltech]

W-2s arrive next Monday.

A server making $45K gets $8K refund.
An office worker making $80K gets $1.2K.

Why? Tips and overtime deductions (up to $25K each).

Income doesn't predict refunds, what people can claim does.

Stop targeting by income brackets: https://t.co/uIfsuRqOky

[Prodigal @prodigaltech]

Great couple of days at #ARMTech2026 in Dallas.

The user group session brought together a diverse group and sparked some genuinely thoughtful conversations.

And last night, we had dinner with folks across the industry. A good reminder of why in-person connections still matter.

[Receivables Info @ReceivablesInfo]

Intelligence layer architecture for collections is what separates scalable AI from risky automation. Shantanu Gangal explains why data context enabling AI decisioning and breaking data silos in receivables are non-negotiable.

Watch here 👉 https://t.co/SgGY8I22J8

[Prodigal @prodigaltech]

The IRS starts accepting tax returns next week.

Get your targeting wrong and you'll spend tax season chasing accounts that can't pay.

In part-one of our four-part series we break down what changed with refunds and how to rethink your segmentation: https://t.co/5lZgfieXlD

[Prodigal @prodigaltech]

Testing AI agents is hard because every change creates a tradeoff.

Speed up the voice → interruptions
Fix interruptions → awkward silence
Reduce latency → accuracy drops

In consumer finance, assumptions don’t cut it. You have to be absolutely sure: https://t.co/e42fzNiSMH

[Prodigal @prodigaltech]

At #ARMTech2026, we’re hosting a User Group Meeting on AI Agents.

We’ll bring Prodigal’s on-the-ground experience with lived realities of our customers.

🗓️Thu, Jan 22 | 2:30-3:30 PM CST

Invite-only.

If you’re attending & like to join, reach out to our team at Booth #42.

[Prodigal @prodigaltech]

🚀 We’re heading to Dallas for #ARMTech2026!

Our team will be on the ground throughout the event, meeting lenders, servicers & collections teams on how AI is changing the way customer conversations and payments are handled.

Come by and say hello at 𝗕𝗼𝗼𝘁𝗵 #𝟰𝟮.