The call ends with a plan the debtor can keep, inside the ladder your CRO signed, and the manager sees only what sits above the ceiling.
For Heads of collections, CROs and compliance at lenders and BNPL providers, collections agencies, and the vendors who sell them voice and chat agents.
A voice agent answers every call on the first ring. Most of those calls still end the same way: the debtor asks for nine months instead of six, and the agent promises to pass the request to a colleague. The colleague reads the transcript the next morning, and by then the debtor has stopped answering.
The agent is not the problem. A lender's risk team cannot let software agree to a discount nobody has bounded. A prompt that says "never more than 15%" is a polite request to a model a stranger can talk round. So the plan waits for a person who was hired for the cases a person should decide.
Stategram moves the ladder out of the prompt and into a policy the CRO signs: the bands, the down payment, the instalments, the offers per debtor and the day's total concessions. Inside it, the agent agrees the plan on the call. Above the ceiling it asks the named manager, and nothing binds until they answer.
Bands by balance, the discount ceiling, the down payment and the instalment window are rules the agent cannot talk past, whatever the debtor says.
Offers per debtor and the day's concessions are counted across the voice agent, the chat agent and the people in the back office.
A plan above the ceiling waits for the manager the policy names, and nothing binds until they decide.
Every bound plan carries a permit the lender's own system checks, so the lender never has to trust the vendor's logs.
An example written for this page, with round numbers. It uses only what the policy format has today, and it is not a customer's policy.
Inside the rules the agent acts alone. Above a line, the named person decides. Every change to the numbers is a new signed version.
Two weeks, a fixed fee, your limits and a named approver, and the method to do the next workflow yourself.
We will email you to find a time for a 25-minute walkthrough with the founder. No slides, no sales script.
Pick a time in the founder's calendar, or tell us about your agent first.