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Emma Collection Assistant

Do the work that doesn’t get done

Human collectors spend less than 10% of their time actually talking to members – the rest goes to voicemails, research, and documenting status and activity.

Emma changes that. She does the work that’s time and cost-prohibitive today; makes every call, captures every note, and helps members get on track with their payments.

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Before Emma, we never had a single month where we reached 100% of our delinquent members - and I’d bet most credit unions haven’t either. You simply can’t get a person to place 500 calls in a day. And you definitely can’t find a collector who can document 500 accounts effectively in a single shift. That’s half of what Emma does.

Tenisha Howard 
Collections Manager 
Atlanta Postal CU

80%

promise-to-pay (among verified members) in certain pilot cohorts

1,000+

concurrent call handling

KEY BENEFITS

Elastic capacity that never sleeps

Delinquency spikes don’t have to mean burnout or backlog.  Emma scales instantly to meet demand, handling high-volume outreach while staff focus on complex or sensitive cases.

Efficiency that multiplies human value

Every call, note, and update syncs automatically with your core banking or collections system. That means staff spend time solving problems – not searching logs or leaving voicemails that go ignored.

Compliance built in

From Mini-Miranda and TCPA-aware dialing to auditable transcripts, opt-outs, and escalation rules, Emma follows policy by default – not exception.  Every interaction is logged and reviewable, giving your compliance team full confidence.

Escalation when it matters

When Emma detects confusion, frustration, or negotiation risk, she escalates the call to a human collector with full context – no repeat questions, no cold handoffs.

From bottleneck to breakthrough

Smarter automation to power human-centered resolution

Move away from:

  • Manual dialing and voicemail chases
  • Staffing strain and rising overtime costs
  • Missed connections and low right-party reach
  • Rigid scripts and inconsistent documentation
  • Compliance risk from manual workflows


And move toward:

  • Always-on voice outreach that scales instantly
  • Dramatic cost per call savings
  • Adaptive, member-first conversations that build trust
  • Auditable, policy-driven automation by default
  • Human escalation only when it matters most

Three big outcomes we drive

Reach every member, every time

Eliminate missed contacts and manual follow-ups. Emma handles preventive reminders, outbound calls, and after-hours engagement - ensuring no member slips through the cracks.

Scale without expanding headcount

Instantly increase capacity without adding collectors. Emma can place over 1,000 simultaneous calls per hour - cutting cost per contact by up to 10x.

Recover more, with less friction

Members respond because the experience feels clear, respectful, and consistent - improving right-party contact and achieving up to 80% promise-to-pay rates in pilot programs.

Emma works with or without Clutch’s origination platform

She integrates seamlessly into your existing core banking or collections stack .