Case Study: Acordo Certo retires $10M/month in consumer debt with H2O.ai Driverless AI

Acordo Certo Reduces Consumer Debt in Brazil with H2O.ai

Acordo Certo, Brazil’s largest online debt payment and re-negotiation platform, was confronting rising consumer debt and a massive customer dataset that strained a small data‑science team. To speed model development, improve predictive accuracy, and make machine learning results transparent to retail and banking partners, Acordo Certo adopted H2O.ai’s Driverless AI.

H2O.ai’s Driverless AI provided automated feature engineering and interpretability, enabling the team to cut model development time by 70%, improve repayment-model accuracy to nearly 80% (over 76%), and retire more than $10M of consumer debt per month—while expanding partnerships with retailers and banks and delivering measurable business impact across Acordo Certo’s 3.6M users.

Acordo Certo

André Monteiro

Founder and CTO