# Skit.ai

> Skit.ai is a New York-based conversational AI company that automates debt collection and accounts receivable operations for banks, agencies, fintechs, healthcare systems, and utilities. Founded in 2016 as Vernacular.ai and rebranded to Skit in 2021, it runs a generative-AI-powered platform of voice, SMS, email, and chat assistants plus a Collection Intelligence Platform and an ecosystem of specialized AI agents that negotiate payments, capture dispositions, and enforce federal and state collection compliance at scale.

- **Founded:** 2016
- **Headquarters:** New York, New York, United States
- **Founders:** Sourabh Gupta (Co-Founder & CEO), Akshay Deshraj (Co-Founder & CTO)
- **Team size:** ~210 employees
- **Products:** Collection Intelligence Platform, AI Agent Ecosystem, Multichannel Conversational AI, Augmented Voice Intelligence, Compliance & Responsible AI Controls
- **Notable:** Rebranded from Vernacular.ai to Skit and raised a $23M Series B led by WestBridge Capital (2021), Processed 1 billion+ conversations and resolved $1B+ in accounts, Partnered with 53,000+ creditors across 19+ debt types

## Products & services

- **Collection Intelligence Platform** — Purpose-built platform to automate collections conversations at scale, with dynamic strategy engines, journey design, and personalized workflows.
- **AI Agent Ecosystem** — Seven specialized AI agents - Manager, Collector, Analyst, Auditor, Coach, Scrubber, and Tracer - that divide the collections workflow across decisioning, outreach, QA, and skip-tracing.
- **Multichannel Conversational AI** — Generative-AI-powered voice, SMS, email, and chat assistants for first-party, third-party, and early-out collections.
- **Augmented Voice Intelligence** — Blend of conversational AI and human intelligence handling payment negotiation, settlement/installment plans, disposition capture, and payment automation.
- **Compliance & Responsible AI Controls** — Built-in federal and state compliance (call frequency, Mini-Miranda, FDCPA) plus guardrails and bias controls for responsible voice AI.
- **VIVA (Vernacular Intelligent Voice Assistant)** — The company's original multilingual voice assistant built on speech recognition and NLU, trained on 10M+ hours of data (Vernacular.ai era).

## Achievements

- Rebranded from Vernacular.ai to Skit and raised a $23M Series B led by WestBridge Capital (2021)
- Processed 1 billion+ conversations and resolved $1B+ in accounts
- Partnered with 53,000+ creditors across 19+ debt types
- Won a 2024 Artificial Intelligence Excellence Award in the Natural Language Processing category
- Named an IDC Innovator for Voice AI (2025)
- Stevie Gold Winner 2023 for Most Innovative Company (International Business Awards)
- CCW Disruptive Technology of the Year 2022 and Gold Globee CEO Award 2022
- CEO Sourabh Gupta named to Forbes 30 Under 30

## Latest updates

- **2025** — Named an IDC Innovator for Voice AI (recognized in the hospitality category) and expanded its generative-AI AI Agent Ecosystem.
- **2024** — Won a 2024 Artificial Intelligence Excellence Award in the NLP category; CEO Sourabh Gupta featured in interviews on the future of conversational AI in collections.
- **2023** — Launched the Collection Intelligence Platform and won Stevie Gold for Most Innovative Company.

## Links

- Website: https://skit.ai
- LinkedIn: https://www.linkedin.com/company/skit-ai
- Twitter/X: https://x.com/Skit_ai
- YouTube: https://www.youtube.com/@skit8394
- Facebook: https://facebook.com/VernacularAI

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Profile page: https://yespress.io/skit-ai
Published by YesPress — https://yespress.io
Last updated: 2026-07-18