Bill collectors, debt collectors and related

Cobradores de facturas, deudas y empleados afines

5.5
AI exposure: Moderate
5.5 / 10
Theoretical estimate — not a prediction
Employees
2K
Average salary
25,333 €
Exposed wage index
30M €
employment × salary × score
Score sub-components
D
Displacement potential 8
C
Current AI capability 8.2
F
Physical barrier 3.5
R
Regulatory friction 4.8
Formula: (D*C/10)*(1-F/20)*(1-R/20)
Automation vector
Their work consists of collecting debts and recovering outstanding invoices through telephone and digital communication. AI already automates the sending of personalized reminders and makes initial collection calls through voice agents that negotiate simple payment plans. Complex debt recovery and judicial or personal negotiation in cases of critical insolvency continue to depend on the persuasive skill and judgment of a human collector.
Automation vector (Spanish)
Su labor consiste en reclamar deudas y cobrar facturas pendientes mediante comunicación telefónica y digital. La IA ya automatiza el envío de recordatorios personalizados y realiza llamadas de reclamación iniciales mediante agentes de voz que negocian planes de pago sencillos. La recuperación de deudas complejas y la negociación judicial o personal en casos de insolvencia crítica siguen dependiendo de la habilidad persuasiva y el juicio de un gestor humano.
Substitution EU AI Act: Minimal risk Employment confidence: A
→ Open in the interactive dashboard
Source: LFS Q4 2025, INE Census 2021, SEPE 2024 · Methodology v30 · CC BY 4.0 · Authors: Álvaro de Nicolás, Miguel Sureda