KredosAi announced it has raised $7 million in Series A funding to expand its AI-powered collections platform for enterprise revenue recovery. The oversubscribed funding round was led by BMW i Ventures. New investors Motley Fool Ventures and Walter Ventures also joined the round, along with existing investors Okapi Venture Capital, StartFast Ventures, SaaS Ventures, and Stout Street Capital.
KredosAi was built to help large enterprises address rising consumer delinquencies. The company said millions of customer accounts are past due at any given time, tying up 10% to 15% of revenue in delinquent accounts, while annual bad debt expenses at some large enterprises can exceed $1 billion.
KredosAi’s intelligent engagement platform sits between the moment a payment is due and the point at which it becomes a write-off. This is a critical window in which many enterprises still rely on broad, one-size-fits-all outreach, which can damage customer relationships without significantly improving payment outcomes.
The platform uses behavioral science and AI to determine the right message, channel, and timing for each individual customer. This replaces static campaigns with dynamic and adaptive engagement delivered at scale.
Across its enterprise portfolio, KredosAi has demonstrated an 11.5% reduction in write-off rates and a 13.6% increase in customer lifetime value. The company said this is largely achieved by preventing accounts from reaching the write-off stage, where traditional third-party collections can destroy value. For some large enterprises, the platform has translated into more than $50 million in annual bottom-line benefit.
Founded in 2021 by CEO Balaji Sridharan and Dave Thoms, KredosAi is a FICO partner that integrates AI-driven, hyper-personalized customer engagement into the FICO Platform. The company serves several enterprise clients, including Anderson Brothers Bank in the financial services sector.
KredosAi’s platform has processed more than 200 million customer interactions over the past two years, and its revenue has grown more than 6x during that period.
The Series A funding will support three strategic priorities: expanding go-to-market efforts in financial services and auto lending, accelerating product innovation — including a multi-agent framework with voice agent support — and growing the team by 2x to 2.5x over the next 12 months.
KredosAi is an intelligent engagement platform built for enterprise payment outcomes. Its platform helps telecom operators, auto lenders, and financial institutions optimize customer engagement at scale, reduce churn, recover more revenue, and deliver 20x+ ROI.
KEY QUOTES:
“We built KredosAi because we lived this problem from inside some of the largest enterprises in the world. Even companies that invest heavily in customer loyalty abandon that standard the moment a payment is late. The legacy approach, the same message, the same channel, sent to millions of people, does little to solve the problem and a lot to damage the relationship.”
Balaji Sridharan, CEO and co-founder of KredosAi
“We were drawn to KredosAi because of the strength of the team, the company’s differentiated approach to combining behavioral economics with AI, and the clear data network effects behind the product. In an environment where enterprises are under more pressure to improve retention, we saw a compelling opportunity for a solution that can create meaningful value at scale.”
Baris Guzel, Partner at BMW i Ventures
