Celeste

Celeste: Payment Collection Software for SMBs

Celeste is an advanced cloud-based debt collection platform designed to reduce missed payments, improve collection rates, and preserve customer relationships. It serves fintechs, banks, loan servicers, debt buyers, finance companies, and collection agencies with an enterprise-grade solution that aims to deliver high performance without enterprise complexity.

Key Value Proposition

• Advanced analytics and AI-driven workflows to optimize collections.
• Modern, scalable platform capable of handling any type of debt and any number of accounts.
• Strategy-driven collection approach that respects customers while maximizing recovery.
• Cost reduction, compliance assurance, and improved customer relationships.

How It Works

1. Unified portfolio management: Manage all past-due accounts from a single, cloud-based interface.
2. AI-powered collection strategy: A machine-learning-powered engine analyzes numerous data points to determine the most efficient and effective collection approach for each account.
3. Adaptive workflows: The system adapts with data to optimize contact attempts, messaging, and payment offers while maintaining compliance.
4. Analytics-driven insights: End-to-end analytics provide visibility into performance, costs, and outcomes to drive continuous improvement.

Use Cases

• Financial institutions looking to reduce delinquencies and recover more from past-due loans.
• Fintech lenders needing scalable, compliant collections automation.
• Debt buyers and collection agencies seeking smarter targeting and higher recovery rates.
• Servicers managing large volumes of accounts across diverse debt types.

How It Improves Outcomes

• Increase collection rates through optimized contact strategies and tailored payment plans.
• Lower operating costs by automating repetitive collection tasks.
• Maintain regulatory compliance and reduce risk with governance-enabled workflows.
• Preserve customer relationships by using dignified, data-informed approaches.

Getting Started

• Contact Celeste for a personalized demo to understand how the platform can scale with your portfolio.
• Explore deployment options and integration with existing loan origination, CRM, and servicing systems.
• Evaluate how AI-driven strategy and analytics can improve your current collection KPIs.

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Features

• Cloud-based, scalable platform for all debt types and any number of accounts
• AI/ML-driven collection strategy engine using multiple data points
• End-to-end analytics for performance tracking and optimization
• Dignified, compliant collection workflows to preserve customer relationships
• Enterprise-grade security and governance with reduced complexity
• Cross-functional suitability for Fintechs, Banks, Loan Servicers, Debt Buyers, Finance Companies, and Agencies
• Import and manage portfolios from various sources; customizable workflows
• Real-time reporting and dashboards for decision-making
• Automation of repetitive tasks to reduce costs
• Seamless collaboration between teams with shared view of accounts

Safety and Compliance Considerations

• Designed to maintain compliance with applicable debt collection regulations.
• Emphasizes respectful customer interactions and data privacy.
• Provides audit trails and governance to support regulatory requirements.

About Celeste

• Company: Celeste AI Inc.
• Headquarters: New York, NY
• Contact: [email protected]

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Quick Reference

• Purpose: Advanced debt collection workflow automation and optimization
• Target users: SMB lenders, servicers, and collection entities seeking higher recoveries with lower costs
• Core benefit: Balance aggressive collection with customer respect and compliance