AIS Info | Industries | Auto Finance

The auto lending industry is facing mounting challenges, including rising vehicle costs, higher interest rates, and increasing delinquency rates. Subprime auto loan delinquencies have surged to the highest level in decades, driven by escalating car payments, insurance costs, and financial strain on borrowers. At the same time, lenders are navigating regulatory scrutiny, outdated technology, and rising servicing costs, all of which threaten profitability.

For over 20 years, AIS has partnered with the largest automotive lenders to optimize servicing operations, mitigate risk, and drive efficiency. Our scalable solutions leverage data integration, workflow automation, and skilled professionals to help lenders improve default servicing, compliance monitoring, and loan operations. AIS delivers expertise and technology to help you enhance decision-making and reduce operational burdens.

AIS partners with five of the 10 largest auto brands to provide high-quality, cost-effective data, technology, and loan servicing solutions tailored for automotive lenders. While we support staffing needs across various business units, our core expertise lies in default management, recoveries support and compliance-driven servicing.

We empower lenders with advanced data integration capabilities, enabling up-to-date portfolio monitoring to identify bankruptcy, deceased, and probate activity. Our servicing models exceed the industry’s most stringent service level requirements, helping lenders enhance portfolio performance while maintaining airtight regulatory compliance.

Our approach balances efficiency with sensitivity, helping lenders navigate these complex processes while protecting their reputation. With scalable technology, automation-driven processes, and deep industry expertise, AIS helps auto lenders optimize loan servicing, mitigate risk, and improve operational efficiency in an evolving

Loan Services

End-to-End Servicing
Data - BK Notification & Docket Monitoring
Legal Support: Motions, Objections, etc.

Title release services
Document request from customers
Customer relationship management (CRM)

Repossession Support
Charge-off support services
Call Center

Data - Deceased Notification
Probate Services
Transfer of Lease Obligations(TOLO)

BANKRUPTCY ACCOUNT MANAGEMENT

AIS delivers comprehensive bankruptcy account management by integrating industry-leading data, automation, and servicing expertise. Our bankruptcy database, updated daily, enables accurate processing with a fixed-cost advantage for our clients. Our bankruptcy servicing bots and workflow applications enhance scalability and quality. With a 24x7 operations team led by bankruptcy subject matter experts, we reduce cycle times and provide real-time performance tracking through KPI-driven dashboards. Our attorney panel, legal back office, and advanced legal technology enable high-quality bankruptcy litigation support at below-market costs. No other provider matches this end-to-end capability, making AIS the leading partner for efficiency, risk reduction, and cost savings.

POST-BANKRUPTCY SERVICES

Our repossession support, charge-off support services, and call center solutions leverage data insights and skilled talent to streamline servicing, minimize delays in recoveries, and optimize portfolio performance. With real-time monitoring, alerts, and process controls, we conduct collateral lien searches, skip tracing activities, and charge-off reviews to eliminate delays in case resolution and asset disposition. Our compliance-driven operations help lenders navigate post-bankruptcy complexities with confidence.

RECOVERY SUPPORT SERVICES

AIS offers administrative resources for managing charged-off accounts with efficiency and compliance. Our team handles title requests, correspondence, mail reviews, and document processing directly within client systems. We verify attorney representation through outbound calls and written confirmation to maintain accurate documentation. AIS also facilitates title releases for eligible charge-off accounts, validates equipment discrepancies during auctions, and responds to recovery-related inquiries. By following client-defined policies and procedures, AIS optimizes recovery operations and reduces administrative burden - helping auto lenders recover assets faster and more effectively.

DECEASED ACCOUNT MANAGEMENT

Auto lenders leverage our mix of data, technology, and talent to accurately code, process, and resolve deceased accounts. AIS handles account setup, closure, and administrative tasks, including title requests, voluntary repossession processing, and correspondence, all within client systems of record. We validate potential deceased accounts through obituary searches and manage late charge suppression and reversals. Our probate claims administration service leverages our proprietary databases to match, file, and disburse claims on behalf of clients. AIS manages deceased account servicing with a compliance-driven, empathetic approach, reducing risk while facilitating timely and respectful account resolution.

AUTO FINANCE

Helping Lenders Maximize Portfolio Performance and Profitability

OUR SERVICES | WHAT WE DO