Kai Tang
Publications
Everyone is unique: Towards Behaviorally Heterogeneous Negotiation Dialogue Systems for Debt Collection
Debt collection is a critical negotiation task in the financial industry, with strong practical relevance and exceptional academic value as a behaviorally rich, high-stakes testbed for human-centered dialogue systems. While large language models (LLMs) have shown promise in dialogue and negotiation, effectively evaluating their performance in this complex scenarios remains a major challenge: existing benchmarks uniformly assume users to be static, rational agents with fixed preferences, failing to capture the rich behavioral heterogeneity inherent in real-world debt collection. To bridge this gap, we propose DebtBench, the first public persona-enriched debt collection benchmark, that highlights behavioral heterogeneity in negotiation. Moreover, we develop DebtGPT, a debt collection agent trained to jointly optimize financial recovery and interaction experience. Our experimental results, using 16 state-of-the-art LLMs, find that most existing models struggle in this complex but realistic scenarios, whereas DebtGPT outperforms all open-source baselines and achieves performance on par with GPT-4o. The code and data are available at https://github.com/YYuHhhh/DebtNegotiation.
From Passive Retrieval to Active Memory Navigation: Learning to Use Memory as a Structured Action Space
Long-term user memory is essential for personalized conversational agents, yet many memory systems still expose memory through passive retrieval interfaces, making the model a consumer of pre-selected evidence. We introduce NapMem, a framework for learning to use long-term user memory as a structured action space rather than passively retrieved context. NapMem organizes user history into a linked multi-granularity memory pyramid, where raw conversations, typed memory records, topic tracks, and user profiles are connected through provenance relations, and exposes these levels through memory tools. The agent is trained to select memory according to the query and intermediate evidence, allowing it to inspect different memory granularities before answering. Experiments on PersonaMem-v2, LongMemEval, and LoCoMo show that a NapMem agent trained with memory-tool reinforcement learning is competitive across diverse memory-intensive tasks, while evaluations on non-memory tasks suggest that the learned policy largely preserves general reasoning and tool-use abilities. Additional analyses examine storage, inference cost, tool-use behavior, and ablations over navigation, memory granularity, and RL training. Our results suggest that long-term user memory benefits from coupling structured storage with a learned policy for using memory at the appropriate granularity.