Collection via bank slip and calls, 18% delinquency, high call center cost and Reclame Aqui complaints due to inappropriate approach.
Humanized collection on WhatsApp with Asaas + Pix, escalated reminders by aging bucket, automatic installment agreement and auditable tone per message.
Delinquency dropped from 18% to 6% in 6 months, same team collected 3× more contacts and zero harassment complaints. Everything recorded for audit.
“We collect more, spend less and the customer thanks us. I never imagined all three together.”