Prodigal

Prodigal builds Consumer Finance Intelligence software: AI systems that derive insights from consumer finance interactions and deploy AI agents for loan servicing and collections. Founded in 2018 and headquartered in Mountain View, California, the company designs its tools to help lenders recover more payments while remaining compliant with financial regulation. Its work sits at the intersection of artificial intelligence, natural language processing, machine learning and consumer lending.

The company's core platform is the Prodigal Intelligence Engine (PIE), which supports dynamic prioritisation, real-time agent assistance and personalised consumer engagement at scale. Alongside it, Prodigal offers purpose-built AI agents for loan servicing and collections, intended to improve payment recovery while preserving borrower experience and regulatory compliance.

Prodigal reports having analysed more than half a billion consumer finance interactions and says its technology engages nearly one in five US borrowers. The software is used by more than 100 financial institutions across North America. The company is backed by Y Combinator, Accel and Menlo Ventures, and was founded by alumni of IIT Bombay. Its stated mission is to change how financial institutions engage with consumers, with an emphasis on compliance and the borrower relationship.