DPDzero

For years, digital collections have been measured by one metric: How many messages were sent? The next generation of collections will be measured differently. How many borrowers were intelligently engaged? 𝗧𝗵𝗮𝘁'𝘀 𝘁𝗵𝗲 𝘀𝗵𝗶𝗳𝘁 𝘄𝗲'𝗿𝗲 𝗲𝘅𝗽𝗹𝗼𝗿𝗶𝗻𝗴 𝘁𝗼𝗱𝗮𝘆. Digital-first collections aren't about adding channels; they're about orchestrating every borrower interaction with intelligence. Swipe to explore. #TheDPDzeroPlaybook #Collections #AI #DigitalCollections #NBFC #Banks

Two borrowers. Same delinquency bucket. Completely different circumstances, intent, and repayment capacity. Traditional collections treated them identically - same call frequency, same pressure, same playbook. That is exactly the problem Ananth Shroff writes about in his latest piece for IBS Intelligence. As India's credit ecosystem grows more complex - with NTC borrowers, gig workers, and digital natives entering formal lending - the old straight line from disbursals to collections is no longer enough. It needs to become a loop. "𝗨𝗻𝗱𝗲𝗿𝘄𝗿𝗶𝘁𝗶𝗻𝗴 𝘀𝗵𝗼𝘂𝗹𝗱 𝗶𝗻𝗳𝗼𝗿𝗺 𝗰𝗼𝗹𝗹𝗲𝗰𝘁𝗶𝗼𝗻𝘀, 𝗰𝗼𝗹𝗹𝗲𝗰𝘁𝗶𝗼𝗻𝘀 𝘀𝗵𝗼𝘂𝗹𝗱 𝗶𝗻𝗳𝗼𝗿𝗺 𝗿𝗶𝘀𝗸, 𝗮𝗻𝗱 𝗿𝗶𝘀𝗸 𝘀𝗵𝗼𝘂𝗹𝗱 𝘀𝗵𝗮𝗽𝗲 𝗽𝗿𝗼𝗱𝘂𝗰𝘁 𝗱𝗲𝘀𝗶𝗴𝗻 𝗮𝗻𝗱 𝗳𝘂𝘁𝘂𝗿𝗲 𝘂𝗻𝗱𝗲𝗿𝘄𝗿𝗶𝘁𝗶𝗻𝗴." Collections is no longer where lending problems arrive. It is where valuable intelligence begins. Read the full article to understand why the future of lending depends on better collections intelligence. (🔗 link in comments below 👇)

Most lenders believe improving pre-due collections means adding more reminders or increasing telecalling capacity. But what if the biggest opportunity lies in 𝗿𝗲𝘁𝗵𝗶𝗻𝗸𝗶𝗻𝗴 𝘁𝗵𝗲 𝗯𝗼𝗿𝗿𝗼𝘄𝗲𝗿 𝗷𝗼𝘂𝗿𝗻𝗲𝘆 𝗶𝗻𝘀𝘁𝗲𝗮𝗱? One leading NBFC transformed its two-wheeler EMI collections by shifting to a digital-first strategy that combines intelligent borrower engagement with AI-powered follow-ups. The result? ✅ ~83% Collection Efficiency ✅ ~36% POS Collections driven through Voice AI ✅ 100% Digital Channel-led Collections for 4 consecutive months Here's a closer look at what changed, and why it worked. #DigitalCollections #VoiceAI #DebtCollections #NBFC #Fintech #Lending

A little more sweetness. A little more togetherness. A whole lot of good energy. May Lord Ganesha fill your homes with love, your hearts with happiness, and the days ahead with new beginnings, good energy and plenty of reasons to celebrate. 💛 And may there always be room for one more modak. 🥟 Team DPDzero wishes you and your loved ones a very Happy Ganesh Chaturthi! 🪔

For years, NBFC stress has been discussed as a credit problem. Rising delinquencies. Weak underwriting. Borrowers unable to repay. 𝗕𝘂𝘁 𝘁𝗵𝗮𝘁'𝘀 𝗼𝗻𝗹𝘆 𝗽𝗮𝗿𝘁 𝗼𝗳 𝘁𝗵𝗲 𝘀𝘁𝗼𝗿𝘆. As regulations evolve and portfolios scale, a different challenge is becoming impossible to ignore: operational infrastructure. Manual reconciliations. Fragmented systems. Compliance bottlenecks. Limited audit visibility. These issues rarely make headlines, but they're often the first signs of stress. The NBFCs that navigate the next few years successfully won't just have stronger credit policies. They'll have stronger infrastructure. 𝘋𝘰 𝘺𝘰𝘶 𝘵𝘩𝘪𝘯𝘬 𝘪𝘯𝘧𝘳𝘢𝘴𝘵𝘳𝘶𝘤𝘵𝘶𝘳𝘦 𝘪𝘴 𝘣𝘦𝘤𝘰𝘮𝘪𝘯𝘨 𝘢𝘴 𝘪𝘮𝘱𝘰𝘳𝘵𝘢𝘯𝘵 𝘢𝘴 𝘶𝘯𝘥𝘦𝘳𝘸𝘳𝘪𝘵𝘪𝘯𝘨 𝘧𝘰𝘳 𝘕𝘉𝘍𝘊𝘴?

Most lenders are preparing for 1st Jan. Very few are preparing for what comes next. RBI's revised draft directions on recovery conduct went out for a second consultation round in May. If notified as drafted, they take effect 1st Jan 2027. Five things change on the floor: Swipe through to know more.

Today, lenders have to balance recovery with borrower experience, compliance, operational efficiency, and the ability to understand why a borrower has missed a payment. 🤔 Automation Problem or a Mindset shift? 🤖 AI vs Humans or AI + Humans 🔐 Efficiency alone or Efficiency with Compliance Ananth Shroff says, “𝘍𝘰𝘳 𝘮𝘦, 𝘢 𝘴𝘶𝘤𝘤𝘦𝘴𝘴𝘧𝘶𝘭 𝘤𝘰𝘭𝘭𝘦𝘤𝘵𝘪𝘰𝘯 𝘪𝘴 𝘯𝘰𝘵 𝘢 𝘱𝘢𝘺𝘮𝘦𝘯𝘵 𝘦𝘹𝘵𝘳𝘢𝘤𝘵𝘦𝘥 𝘧𝘳𝘰𝘮 𝘢 𝘣𝘰𝘳𝘳𝘰𝘸𝘦𝘳. 𝘐𝘵 𝘪𝘴 𝘢 𝘴𝘶𝘴𝘵𝘢𝘪𝘯𝘢𝘣𝘭𝘦 𝘳𝘦𝘴𝘰𝘭𝘶𝘵𝘪𝘰𝘯, 𝘰𝘯𝘦 𝘵𝘩𝘢𝘵 𝘤𝘭𝘰𝘴𝘦𝘴 𝘵𝘩𝘦 𝘢𝘤𝘤𝘰𝘶𝘯𝘵 𝘸𝘪𝘵𝘩𝘰𝘶𝘵 𝘥𝘢𝘮𝘢𝘨𝘪𝘯𝘨 𝘵𝘩𝘦 𝘤𝘶𝘴𝘵𝘰𝘮𝘦𝘳 𝘳𝘦𝘭𝘢𝘵𝘪𝘰𝘯𝘴𝘩𝘪𝘱, 𝘸𝘪𝘵𝘩𝘰𝘶𝘵 𝘷𝘪𝘰𝘭𝘢𝘵𝘪𝘯𝘨 𝘵𝘩𝘦 𝘣𝘰𝘳𝘳𝘰𝘸𝘦𝘳'𝘴 𝘥𝘪𝘨𝘯𝘪𝘵𝘺, 𝘢𝘯𝘥 𝘸𝘪𝘵𝘩𝘰𝘶𝘵 𝘤𝘳𝘦𝘢𝘵𝘪𝘯𝘨 𝘢 𝘤𝘰𝘮𝘱𝘭𝘪𝘢𝘯𝘤𝘦 𝘭𝘪𝘢𝘣𝘪𝘭𝘪𝘵𝘺 𝘧𝘰𝘳 𝘵𝘩𝘦 𝘭𝘦𝘯𝘥𝘦𝘳.” He adds, “The lenders who will win the next decade of India's credit growth are not the ones who recover the most aggressively. They are the ones who recover the most responsibly and build a brand that borrowers trust enough to come back to. That is the redefinition the industry needs. And the metrics will follow once the mindset does.” Read to find out the whole truth behind why collections have lagged for so long, where AI can improve repayment journeys, and the need for lenders to rethink Collections. 🔗 Link: https://lnkd.in/gv_UNYVw

Mumbai, you were awesome. ❤️ And just like that, Chapter 2 of The Recovery Room comes to a close. We met. We talked. We laughed. And most importantly, we celebrated collections. A few weeks ago, we brought the Recovery Room to Bengaluru. This time, Mumbai showed us just how much energy, ideas and ambition the collections ecosystem is carrying. One thing stood out: 𝘁𝗵𝗲 𝗿𝗼𝗼𝗺 𝗶𝘀 𝗯𝘂𝘇𝘇𝗶𝗻𝗴 𝘄𝗶𝘁𝗵 𝗶𝗱𝗲𝗮𝘀. 💡 What excites us most is seeing more leaders believe in the role collections can play in shaping India's next phase of credit growth. We’re humbled to be building this space, one conversation at a time, and even more excited about where this journey takes us next. Until the next Recovery Room. See you soon! ❤️

Every conversation with lenders tells us what's changing. Not just within one organization, but across the collections ecosystem. This month, three shifts consistently emerged across our discussions with Banks, NBFCs, and Fintechs: ✅ Compliance is becoming a strategic differentiator, not just a regulatory requirement. ✅ Lenders are rethinking recovery strategies for stressed NPA portfolios. ✅ AI is moving beyond automation to enable more intelligent borrower engagement. With these trends setting the direction for the industry, let's dive into this month's edition of #CollectionsRadar.