Skit.ai New York

What Skit.ai New York does

Skit.ai (incorporated as Skit USA Inc. in the United States and operating via Cyllid Technologies Private Limited in India) is a GenAI-first collections technology company that builds voice and omnichannel AI agents for regulated debt recovery workflows. Founded in 2016 as Vernacular.ai and rebranded to Skit in 2021, the company operates a dual-entity structure with US headquarters in New York and engineering operations in Bangalore.

The company's platform centers on a proprietary Collection LLM trained on millions of regulated collection interactions and a modular AI Agent Ecosystem (Decisioning, Compliance, Orchestration, QA, Insight, Learning, Negotiation, Dispute Management, Promise Enforcing, Payment Collection, Reminder). Under the hood the platform employs a multi-LLM architecture spanning OpenAI, Azure OpenAI, Google, Cerebras, Groq, and LiteLLM, paired with 60+ pre-built integrations across CRMs, payments, telephony, ASR, and TTS. Compliance is embedded in the agent stack and certified against SOC 2 Type II, HIPAA, PCI-DSS 4.0, HITECH, ISO 27001, FDCPA, TCPA, Reg F, and UDAAP. The product portfolio includes the Collection Intelligence Platform, the AI Agent Ecosystem, the Integration Ecosystem, and "Compliant Conversations."

Skit.ai serves 100+ enterprise customers across creditors, lenders, collections agencies, auto finance, healthcare, and utilities, covering 19+ debt types. Revenue mechanics combine a subscription SaaS layer with contingency/performance-based pricing tied to accounts resolved, creating a model where the vendor is economically aligned with recovery outcomes. Go-to-market is enterprise-led via field sales and a pilot-first approach, primarily in the United States with selective international presence (Indian banking/fintech, Indonesia cloud). The company has raised a Series B of $23 million from WestBridge Capital, reports 200+ employees, and discloses cumulative metrics of $1B+ accounts resolved and 1B+ conversations handled.

Name

Skit.ai New York

Legal name

Skit USA, Inc.

Website

https://skit.ai

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

101–250 employees

Short description

Skit.ai provides GenAI-powered voice and omnichannel AI agents for regulated debt collection automation. Founded in 2016 and headquartered in New York with Bangalore engineering, it serves 100+ enterprise creditors, lenders, and collections agencies across 19+ debt types.

Ownership category

akta.pro rank

Product category

AI-powered debt collection software

NAICS

Software Publishers (513210), Software Publishers (51321), Software Publishers (5132), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518)

SIC

Services-Prepackaged Software (7372), Services-Computer Integrated Systems Design (7373), Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

Regulatory Readiness & Audit Automation (e.g., EU AI Act, NIST AI RMF, ISO/IEC 42001) (HDAAAMAE)

akta.pro secondary industries

AI Governance, Risk & Compliance (GRC) Platforms (HDAAAMAA), Responsible AI, Security & Privacy Platforms (Safety, Guardrails, PII) (HDAEANAG), Responsible AI, AI Governance & Compliance Services (BPAEAHAJ)

Keywords

• AI debt collection
• Voice AI platform
• Omnichannel collections
• Accounts receivable automation
• Conversational AI agents

Headquarters

HQ city

New City

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Infrastructure, Operations

Revenue model

1. SaaS Platform Subscription: AI-powered debt collection platform delivered as subscription with performance-based pricing. The company operates on a contingency/performance model where fees are tied to collection outcomes, ensuring alignment of interests with clients.
2. Outcome-Based Pricing: Performance-based pricing model where the company earns based on successful debt recovery. Risk-free engagement model where 'when you win, we win' approach aligns incentives.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels9 records

Core offering

Skit.ai provides a generative AI-powered conversational voice and omnichannel platform purpose-built for debt collection and accounts receivable automation. The platform combines a Collection Intelligence engine (predictive modeling, cohort journey builder, iterative modeling) with an ecosystem of specialized AI Agents (Decisioning, Compliance, Orchestration, QA, Insight, Learning, Awareness/RPC, Negotiation, Dispute Management, Promise Enforcing, Payment Collection, and Reminder) that automate high-volume consumer outreach across voice, SMS, email, and chat for creditors, lenders, and third-party collections agencies. Compliance with FDCPA, TCPA, Reg F, UDAAP, HIPAA, PCI-DSS, SOC 2 Type II, and ISO 27001 is enforced within the platform core, and the company sells through enterprise field sales with performance-based / contingency pricing.

Product overview

Skit.ai is a GenAI-first collections technology company offering a unified platform combining AI-driven Collection Intelligence with specialized AI agents for debt collection automation. The platform consists of the Collection Intelligence Platform (core decisioning and journey orchestration engine), the AI Agent Ecosystem (specialized autonomous agents for collections workflows), the Integration Ecosystem (60+ pre-built connectors to LLMs, telephony, CRM, and payment systems), and Compliant Conversations (built-in regulatory controls). Collection Intelligence transforms raw accounts into decision-ready cohorts and executes strategies via Journey Builder and Iterative Modeling. AI Agents span pre-campaign decisioning, mid-campaign execution across voice/SMS/email/chat channels, and post-campaign learning. The platform processes omnichannel engagement for creditors, lenders, and collections agencies across 19+ debt types and 53,000+ creditor partnerships.

Differentiator

Problem solved

Functional benefit

Products and services

• Collection Intelligence Platform AI-powered decisioning, journey design, and optimization platform for collections that transforms raw accounts into decision-ready cohorts via predictive modeling, no-code cohort journey builder, and continuous iterative modeling. Built for enterprise creditors, lenders, and collections agencies that need to scale outbound and inbound engagement while continuously improving right-party-contact and recovery rates.
• AI Agent Ecosystem Specialized AI agents coordinating decisions, conversations, and learning across the collections lifecycle for enterprise creditors, lenders, and collections agencies. Includes Decisioning, Compliance, Orchestration, QA, Insight, and Learning agents plus collection-specific agents for awareness/RPC, negotiation, dispute management, promise enforcement, payment collection, and reminders operating across voice, SMS, email, and chat.
• Integration Ecosystem Pre-built integrations with LLM providers (OpenAI, Cerebras, Google, Groq, Azure OpenAI, OpenRouter, LiteLLM, Parallel, LiveKit), telephony systems (TCN, Noblebiz, Twilio, Telnyx, Tata Tele, Fonada, Exotel, Jio), CRMs (Interprose, IDMS, AMS, Deal Pack, CSS IMPACT, Velosidy), payment gateways (PaymentVision, Paynearme, BillingTree, PDCflow, Paywire, TrattaFlow, PayNSeconds, RevSpringFlow, Repay, USAePay, Intellipay, TSYS, UOwnLeasing, Nuvei, PaymentUs, ProfessionalCredit, PaymentPros, CSSImpact, CardPointe, SwervePay), ASR providers (Deepgram, Google Speech, Azure, Speechmatics, Sarvam), and TTS providers (Cartesia, ElevenLabs, SmallestAI, Microsoft TTS, Google TTS, Rime, Rime HTTP, Hume). Lets collections customers plug Skit.ai into existing CRMs, dialers, payment systems, and data sources without custom engineering.
• Compliant Conversations Built-in compliance controls for consent, cadence, and regulatory guardrails that enforce FDCPA, TCPA, Regulation F, and UDAAP across AI-driven decisions, conversations, and outcomes. Includes Mini-Miranda safeguards, wrong-party detection, bankruptcy flags, consent tracking, AES-256 encryption, PII/PHI redaction, and real-time compliance dashboards with 99.9% accuracy monitoring. Targeted at enterprise creditors, lenders, collections agencies, and healthcare providers that must meet strict US debt collection and healthcare communication regulations.

Quantifiable outcome

• 10X ROI for collections agencies using inbound voice AI
• +4 more outcomes

Named customers9 records

Segments6 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration61 records

AI capability11 records

Feature8 records

Partnerships

19 partnerships are on record, tiered core and supporting.

• OpenAIcoreTechnology or IntegrationLLM integration for advanced natural language understanding, reasoning, and content generation. Part of Skit.ai's multi-LLM approach.
• CerebrascoreTechnology or IntegrationHigh-throughput AI inference integration using wafer-scale hardware for running large open-source models.
• GooglecoreTechnology or IntegrationAccess to Google's multimodal and large-scale AI models for reasoning and data processing.
• GroqcoreTechnology or IntegrationUltra-low latency inference integration powered by Language Processing Units (LPUs).
• Azure OpenAIcoreTechnology or IntegrationEnterprise-grade access to OpenAI models with Microsoft security and compliance controls.
• TCNcoreTechnology or IntegrationCloud contact center integration for inbound and outbound calling, compliance controls, and automated notifications.
• TwiliocoreTechnology or IntegrationProgrammable APIs for SMS notifications and voice calling in US and Canada.
• GenesyscoreTechnology or IntegrationContact center integration for enterprise voice and omnichannel customer engagement.
• SalesforcecoreTechnology or IntegrationCRM integration for customer data synchronization and workflow automation.
• AWScoreTechnology or IntegrationCloud infrastructure provider for production systems in US, Canada, India, and Indonesia.
• Google CloudcoreTechnology or IntegrationCloud infrastructure and AI services integration.
• Microsoft AzurecoreTechnology or IntegrationCloud infrastructure and AI services integration.
• NuveicoreTechnology or IntegrationGlobal payments integration supporting multiple methods, currencies, and banking networks.
• DeepgramsupportingTechnology or IntegrationAI-powered speech recognition integration for fast, accurate real-time transcription.
• ElevenLabssupportingTechnology or IntegrationAI voice synthesis integration for realistic, expressive speech across languages.
• RingCentralsupportingTechnology or IntegrationCloud phone system integration for enterprise communications.
• ZendesksupportingTechnology or IntegrationCustomer service platform integration for support workflows.
• FinvisupportingTechnology or IntegrationDebt collection and recovery software integration for ARM ecosystem.
• RepaysupportingTechnology or IntegrationOmnichannel payment integration for loan repayments and B2B transactions.

Scale indicators12 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Observe.AI: Observe.AI offers contact center AI for speech analytics, quality monitoring, and agent assistance — overlapping with Skit.ai's QA Agent and post-call analytics, with significant customer overlap in collections and financial services use cases.
• ASAPP: ASAPP provides generative AI for customer experience, including voice automation and agent augmentation — comparable to Skit.ai's AI Agent ecosystem in delivering enterprise-grade CX automation across voice and digital channels.
• PolyAI: PolyAI builds enterprise voice assistants for customer service across voice channels — comparable to Skit.ai in deploying human-like conversational voice agents at scale, though more horizontally positioned across CX use cases beyond collections.
• Replicant: Replicant is a voice AI platform purpose-built for contact center automation, with particular strength in inbound/outbound customer service calls — directly comparable to Skit.ai's AI Agent ecosystem and Collections Intelligence in serving large call-volume operations.
• Balto: Balto delivers real-time AI guidance and conversation intelligence for contact center agents, with strong penetration in collections and BPO environments — directly competitive with Skit.ai's collection-specific agents and compliance-aware QA features.
• Cresta: Cresta provides generative AI for contact centers, including real-time agent coaching and AI-assisted conversations — comparable to Skit.ai in delivering GenAI-driven automation and human-like voice interactions across enterprise CX operations.

Broad incumbents

• Genesys: Genesys is a leading CCaaS platform serving large enterprise contact centers — Skit.ai integrates with Genesys but Genesys could also compete directly by adding compliance-grade conversational AI capabilities to its existing portfolio.

Emerging players

• Cognigy: Cognigy provides an enterprise conversational AI platform for customer service automation across voice and digital channels — comparable to Skit.ai in delivering AI agent orchestration, though positioned more horizontally than debt-collection-vertical.
• Gridspace: Gridspace offers conversational analytics and voice AI for contact centers, with overlapping capabilities in real-time conversation intelligence and compliance monitoring relevant to collections use cases.
• Tenyx: Tenyx builds voice AI agents for enterprise customer service with focus on natural conversational experiences — overlapping with Skit.ai's Cognitive Voice Assistant capabilities in delivering human-like inbound and outbound voice automation.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/Skit_ai
• YouTubeyoutube.com/@skit8394/videos
• LinkedInlinkedin.com/company/skit-ai

Compliance9 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Skit.ai New York