Case Study: Leading Captive Finance Company achieves intelligent collections automation and real-time risk insights with Pegasystems' Pega Collections

Future-proofing a captive auto finance organization with Pega

A leading captive auto finance company was hindered by legacy, siloed systems that left staff spending excessive time chasing problem accounts, unable to proactively spot risky customer behaviors. The outdated technology drove losses from poor collections, regulatory fines, and high IT and shadow-IT costs, so the firm needed to consolidate applications, integrate systems, and modernize processes while accommodating North American operational constraints.

The company implemented Pega Collections to move the collections lifecycle to intelligent automation and digital engagement, integrating new data, analytics, AI, and omni‑channel capabilities. The overhaul delivered intelligent scorecards and real‑time alerts on changing payment behavior, freed staff for higher‑value work, reduced TCO and shadow IT, and improved responsiveness to regulatory and reporting changes.