Skit.ai

Skit.ai is a voice AI vendor founded in 2016 in Bengaluru as Vernacular.ai, renamed Skit in 2021 alongside a 23 million USD Series B led by WestBridge Capital, and now headquartered in New York with engineering in Bangalore. It concentrates on one banking process — collections and early-stage delinquency — where contact rates are low, agent turnover is high and regulatory exposure is significant.

The Collection Intelligence Platform coordinates seven specialised agents — Manager, Collector, Analyst, Auditor, Coach, Scrubber and Tracer — across voice, SMS, email and chat. Conversations verify identity, explain balances, capture payment arrangements and escalate to human collectors only for disputes or hardship cases. A compliance layer applies FDCPA, TCPA, Reg F and state rules uniformly to every channel, and the company holds SOC 2 Type II, PCI-DSS and ISO 27001. Customers span banks, credit card issuers, auto lenders, fintechs and agencies across more than 19 debt types; Skit.ai reports one billion conversations and over 1 billion USD of accounts resolved.

1. Collection Intelligence Platform: seven coordinated AI agents covering outreach, negotiation, audit and quality coaching.

2. Omni-channel outreach: the same policy engine drives voice, SMS, email and chat, so a borrower is not contacted twice under different rules.

3. Compliance layer: FDCPA, TCPA, Reg F, UDAAP and state-level rules enforced in conversation, with a reported 99.86% compliance score.

4. Certifications: SOC 2 Type II, PCI-DSS, ISO 27001 and HIPAA.

5. Scrubber and Tracer agents: data hygiene and right-party contact tracing before any outbound attempt.

6. Track record: one billion conversations and over 1 billion USD of accounts resolved across 19-plus debt types.