Veritus’ agent-native platform automates loan origination, servicing, and collections with full audit trails and domain-specific compliance built in. This is the first voice AI purpose-built for financial services operations, and it's already live in production with enterprise lenders.

Why voice AI in lending, why now

The $4.5T personal loan market still relies on fragmented workflows: email threads, manual call logs, spreadsheet trackers. This slows resolution, creates compliance gaps, and locks critical repayment data in unstructured call recordings. Lenders lose visibility into borrower behavior patterns, right-party contact rates, and early default signals.

Voice AI should solve this. But horizontal platforms (built for general customer service) lack the precision, regulatory guardrails, and structured data capture that financial services require. Veritus solves the category-specific problem: a voice agent that understands loan servicing workflows, embeds compliance from day one, and converts every conversation into decision-ready data.

Veritus is built differently

Veritus Agent handles the full servicing lifecycle: payment reminders, hardship negotiations, repayment plan adjustments, and collections escalation. Unlike general-purpose voice AI, the platform ships with:

 

• Compliance-native design: FDCPA, TCPA, and state-level disclosure requirements embedded in conversation flows, not bolted on post-launch.

• Structured data capture: Every call generates tagged, timestamped records—eliminating manual QA and feeding directly into risk models.

• Adaptive scripting: Agents adjust tone and strategy based on borrower segment, delinquency stage, and historical responsiveness.

 

Operations run 24/7 with full audit trails. Lenders gain operational leverage and better data for underwriting, collections strategy, and regulatory defense.

The team behind the product

The founding team combines the vertical depth and execution muscle required to navigate overlapping state and federal lending regulations while shipping at startup velocity:

• Joshua Marsh (CEO) has two prior exits and built customer success operations at scale.

• Joseph Stein (CTO) led engineering teams at top fintech companies, shipping real-time decisioning systems under SOC 2 and regulatory audit.

• David Schlesinger (CSO) spent five years in fintech compliance, translating FDCPA and state requirements into product guardrails.

Their advisory bench includes former heads of collections operations at multi-billion-dollar consumer lenders and ex-regulators who've written the rules Veritus encodes. This isn't a general AI team learning lending. It's a lending team deploying AI.

What's next

Over the next 24 months, Veritus aspires to displace 30-40% of routine servicing call volume at early adopters. That's not just cost arbitrage. It's a step-function improvement in:

• Compliance confidence: Every interaction logged, tagged, and audit-ready.

• Customer experience: 24/7 availability, consistent messaging, and faster resolution.

• Unit economics: Lower cost-per-contact and higher right-party contact rates.

The long-term vision: Veritus becomes the system of record for borrower interactions, feeding underwriting models, personalizing repayment strategies, and surfacing early default signals before they hit financials. Voice AI moves from cost center to strategic asset.

If you lead an enterprise lending program and want to evaluate agentic AI for servicing, learn more about Veritus' technology at veritusagent.ai.