Production-ready multi-agent system for delinquency management

The Client

Late credit card and auto loan payments in the United States have risen to levels not seen since the subprime mortgage crisis, increasing operational pressure on financial institutions that must process large volumes of delinquency cases every day.

Our client supports the finance sector with software that helps lenders streamline recovery workflows, expedite loan servicing, and reduce the operational overhead of managing delinquency at scale.

Janea Systems’ first engagement with the client began with a scalable pipeline for ingesting and storing historical data in a Data Lake. From the start, the solution was designed to integrate cleanly with a wide range of future AI and machine learning implementations.

The Goal

The data pipeline, capable of processing multiple streams of historical data in parallel, set the stage for the next phase: turning that data into production-ready AI assistants.

We began with a single assistant and expanded the system to support multiple assistants with distinct responsibilities. The larger objective, however, was architectural. The client anticipated a growing portfolio of assistants across audiences and channels, potentially reaching twenty over time, with some assistants interacting directly with account holders and others serving collectors or internal teams.

Our goal was to establish a standardized, modular architecture that makes it straightforward to build, orchestrate, observe, and extend additional assistants without reinventing the platform each time.