Prodigal

Active

Lending Intelligence Software

Summer 2018Founded 201865 peopleMountain View, CA, USA

prodigaltech.com/ ↗LinkedIn ↗X ↗Crunchbase ↗See on the Idea Map Fintech momentum

About

We build AI agents for loan servicing and collections Prodigal has AI agents for loan servicing and collections. Our AI agents and apps help teams improve margins, run leaner operations, and maximize payments. We are working towards an Agentic vision for consumer finance wherein our AI agents automate critical roles, enhance operations, and drive revenue. Headquartered in Mountain View, California, Prodigal's global team combines deep expertise in financial services, AI research, and product innovation, driving efficiency and transformative results across the consumer finance landscape.

From their website

as of Jun 7, 2026prodigaltech.com ↗

SaaSSubscription

Prodigal provides AI agents and an orchestration platform for loan servicing and debt collections, aimed at automating end-to-end collections, payments, and related insights. It combines an omnichannel AI agent, data-driven scoring, and a suite of modules to increase payments and improve efficiency while maintaining compliance.

Prodigal offers an AI-driven platform with modules including proAgent (automation of end-to-end collections), proCollect (digital strategy orchestration), proScore (propensity-to-pay scores from 500+ attributes), proPay (AI-native self-serve payment portal), proInsight (QA automation, scorecards, revenue insights), and proNotes (real-time automated notes). It emphasizes omnichannel engagement, dynamic prioritization, agent co-pilot training, and real-time agent assistance with speech analytics, all designed to increase payments and streamline servicing for consumer finance, auto finance, healthcare, and lending sectors.

Who it’s for: Consumer finance, auto finance, collections, healthcare revenue cycle management, and lending organizations that perform loan servicing and debt collections.

Features

AI agents for automation of collections operations
Omnichannel orchestration for digital strategy
Dynamic propensity-to-pay scoring
AI-native payment portal for self-serve payments
Real-time notes and QA automation
Agent co-pilot training and speech analytics
Industry-specialized data models for consumer finance

Hiring/traction mentions via customer testimonials and multiple product modules; recognized as platform for consumer finance with industry-specific focus

Founders · 2

Shantanu GangalFounder

LinkedIn ↗X ↗

Sangram RajeFounder

LinkedIn ↗

Launch

Launched on Y Combinator · Mar 2025

View launch post ↗

Intelligence platform for consumer finance AI agents

PIE (Prodigal Intelligence Engine) is a data integration and intelligence platform that unifies disparate data across consumer-finance systems to power AI agents for collections and lending. It provides real-time data synchronization, standardized insights, and custom inference to enable contextual, compliant, and automated workflows for consumer finance teams.