Bulk is an AI-powered debt collection platform that automates first-contact and negotiation with delinquent customers through WhatsApp, email, and SMS. The platform's conversational AI resolves up to 83.3% of cases without human intervention, while live analytics and automated workflows help financial institutions reduce operational costs and improve recovery rates.
Funding
Funding not disclosed
Founders
Product
Problem
Traditional debt collection relies heavily on human agents and mass calling, which is costly, slow, and often delivers inconsistent customer experiences. Financial institutions with large credit portfolios struggle to contact enough delinquent customers quickly while maintaining regulatory compliance and keeping operational expenses under control.
Solution
Bulk provides a SaaS platform that automates the entire debt collection process using artificial intelligence. The platform connects to a client's portfolio database and launches automated campaigns across WhatsApp, email, and SMS, where an AI agent converses naturally with each debtor, understands their situation, and offers payment or renegotiation alternatives. Complex or high-value cases are escalated to human executives with full context, allowing teams to focus on high-impact work. Every interaction is logged and measured, giving collection teams complete traceability and real-time decision-making capabilities.
Target Audience
Primary customers are financial institutions with large credit portfolios, including banks, credit unions, financial retail companies, and automotive financing firms across Chile, Mexico, and other Latin American markets.
Features
- Conversational AI agent that resolves up to 83.3% of collection cases without human intervention
- Multi-channel outreach via WhatsApp, email, and SMS with natural language adaptation per customer
- Live metrics dashboard with analytical modules for real-time decision-making
- Automated workflows for reminders, segmentation, flows, and case escalation
- Integration with portfolio databases or manual campaign uploads via Excel
- Full conversation logging and regulatory compliance built into the platform