Keep Them in Their Cars: How Modern Borrower Engagement Is Changing Sub-Prime Auto Collections

Avoidable repossessions and charge-offs remain a major challenge for sub-prime auto lenders, yet many of the underlying issues stem from how borrowers are engaged after the loan is originated.

Join Marguerite Watanabe, auto finance veteran with over 30 years in the industry, for a practical conversation with KredosAi on what is driving missed payments in today’s lending environment. This session looks closely at why traditional, static collection strategies are falling short and how lenders can adapt without replacing their core systems.

Key Takeaways

• Why traditional collections messaging is no longer effective for today’s sub-prime auto borrower
• How lenders can intervene earlier in the customer journey to prevent avoidable repossessions
• Practical ways to use borrower behavior to personalize outreach and increase payment response
• How self-service and dynamic communications improve both efficiency and customer satisfaction
• What to consider when evaluating next-generation past-due communication solutions, including KredosAi