Finosu
Autonomous servicing for consumer lenders
Finosu is an AI-native servicing platform for consumer lenders that coordinates borrower engagement across voice, SMS, email, chat, and direct mail, with integrated ACH and card payments, repayment plans, and built-in compliance controls. It runs the contact and payment workflow within program rules while giving lenders visibility into account activity, outcomes, and exceptions without replacing their loan management system.
The platform includes modules for voice agents, two-way SMS with consent tracking, personalized email, chat and portal self-service, direct mail, payments, plans and hardship, compliance and QA, and analytics. Programs can run third-party, with Finosu contacting borrowers under its own name, or first-party, under the lender's brand and policies. Onboarding starts with a CSV batch of eligible accounts or a loan management system connection, with operating rules agreed before outreach begins. Third-party pricing is based on recoveries; first-party pricing reflects scope and volume.
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