About

Overtime is a voice-first AI agent platform purpose-built for debt collections and account receivables teams seeking higher recovery rates, lower operating costs, and uncompromised compliance.

Built around three commitments

With Overtime, more volume means higher margins — not higher labor costs.

Succeed

Recover more revenue, faster.

Voice-first AI outreach increases promise-to-pay rates, improves contact efficiency, and shortens resolution cycles with measurable recovery impact.

Save

Lower cost to collect while scaling performance.

Activate AI agents instantly to manage volume spikes without additional staffing. Continuous analytics optimize performance against recovery outcomes.

Safeguard

Protect your agency and clients with compliant, respectful engagement.

Built-in guardrails enforce policy requirements with full visibility into calls, decision paths, and performance reporting.

Leadership

Dan Kutchel

Chief Executive Officer

As CEO of Overtime, Dan is bringing our voice-first, AI-native collections platform to market, applying more than 20 years of experience in receivables and healthcare revenue cycle leadership. Previously President and Chief Revenue Officer at Capio, he helped scale partnerships across 1000+ provider clients managing over $54B in patient A/R.

Katie Nelson

Head of Operations

Katie brings more than 20 years of experience across operations, consumer experience, and vendor strategy within regulated receivables. As Chief Experience Officer at a large, scaled debt buyer, she led operational performance with a strong focus on the consumer. Her background spans healthcare and financial services, including technology modernization, vendor strategy, and experience transformation.

Trent Rosebrook

Head of Marketing

Trent brings nearly 3 decades of experience in marketing, demand generation, and sales operations. As Chief Marketing Officer at a high-growth healthcare payments and receivables organization, he led demand generation, oversaw events and partnerships, and implemented systems and analytics to manage and scale the sales pipeline.

Sjorn Lundquist

Head of Revenue

Sjorn has nearly three decades of experience across collections, healthcare revenue cycle, and sales leadership with a track record of building and scaling revenue. Most recently, he served as Chief Growth Officer at ACI, leading sales and business development in the healthcare market.

Caylon Cannon

Head of Healthcare Revenue

Caylon brings nearly four decades of experience in healthcare, revenue cycle management, and receivables. Most recently, he served as Chief Growth Officer at Somatus, a value-based care company focused on improving outcomes for people with kidney disease and other chronic conditions. He has also held leadership positions at Capio, DaVita Labs, Qualink-OSI, HCA Healthcare, Prisma Health, formerly Palmetto Health, and Orlando Health.

Anthony Albanese

Head of Compliance

Anthony brings more than three decades of experience in receivables management compliance, operations, and portfolio performance. Previously Chief Compliance Officer at Pendrick Capital Partners, his expertise includes developing and managing large-scale compliance programs, collaborating directly with regulators, and consistently enhancing operational discipline.

Overtime In The News

AI Won’t Replace Collectors. It Will Redefine Their Role.

August 18, 2026

Katie Nelson

Head of Operations

AI is changing collections, but the replacement conversation misses the point. The better question is not whether AI will replace collectors. The better question is how it redefines the human role. AI is best suited for structured, repeatable work. Human collectors are still essential for complex conversations, exceptions, disputes, hardship situations and moments where experience changes the outcome. The future is not AI instead of people. It is a better division of work.

What Buyers Expect from a Collections AI Partner

August 12, 2026

Sjorn Lundquist

Head of Revenue

Buyers are no longer asking only whether a collections partner uses AI. They want to know what the AI improves, how easily it fits into their operation, whether it can scale and how performance is proven. This shift matters. AI is no longer enough to be interesting. It has to be useful, measurable and easy to operationalize inside real recovery environments.

Compliance by Design for Collections AI

August 4, 2026

Anthony Albanese

Head of Compliance

AI can help collections teams scale outreach, follow-up and account resolution. But in a regulated recovery environment, scale only creates value when the work is governed. Strong collections AI programs build compliance into the workflow from the beginning, including approved language, call policies, consent logic, escalation triggers, documentation and auditability.

Explore Overtime

Recover more revenue. Lower your cost to collect. Stay compliant by default.