A panel of auto-lending leaders — CEOs of subprime auto finance companies, VPs of Collections, CROs, indirect-lending executives at two of the country’s largest banks — scored every borrower conversation in the auto loan lifecycle on whether an AI agent should handle it today.
Each conversation earned a verdict — automate it, automate with a human ready, or keep it human — scored on customer experience, time to value, complexity, and compliance exposure.
Promise-to-Pay capture scored 4.5/5. Welcome and onboarding, 4.4/5. The full framework, every verdict, and the rationale behind them — from onboarding through deficiency-balance recovery.
Every conversation in your book, graded.