DPDzero

Despite advances in digital disbursal and underwriting, collections have lagged behind for years, depending on fragmented agency networks, operations requiring much manpower with zero borrower intelligence. In conversation with ET Digital, Ananth Shroff, Founder & CEO at DPDzero speaks about establishing an AI-focused collections infrastructure, the critical role of empathy and compliance in recovery processes, and how the expansion of unsecured lending in India is influencing the future of collections. 🔗 Read more for full article. Link in comments 👇

Despite advances in digital disbursal and underwriting, collections have lagged behind for years, depending on fragmented agency networks, operations requiring much manpower with zero borrower intelligence. In conversation with ET Digital, Ananth Shroff, Founder & CEO at DPDzero speaks about establishing an AI-focused collections infrastructure, the critical role of empathy and compliance in recovery processes, and how the expansion of unsecured lending in India is influencing the future of collections. 🔗 Read more for full article. Link in comments 👇

Everyone in collections says they're borrower-first. Ask them what that means in practice and watch them go quiet.   Borrower-first isn't a value. It's a set of specific, measurable decisions about how you run collections along the collections lifecycle. From making the right contact to making the borrower feel heard, here we bring to you the differences between the traditional operating model and new age tactics!   Swipe through. ➡️ Save this for the next time someone tells you they 'care about the borrower'.   #CollectionsTech #AIdebtrecovery #BorrowerExperience #DPDzero #EthicalCollections #Banks #NBFC #Fintech

At the front end of lending, we obsess over data. Credit Scores, Borrower Profiles, Behavioural models, risk assessment - we iterate constantly to predict risk. The moment a loan enters collections lifecycle, the rigour disappears. The same borrower is now looked from the Lens of the past ignoring all the practical and real-time repayment signals that are out there but unused. Not because the data is hard to capture but because collections is primarily seen as a cost centre and not a signal engine. Change that and you will unlock early warning signals, sharper underwriting, better borrower repayment rates. Here’s the article that recently got its due in ET Entrepreneur. Link in comments.

𝘼𝙄 𝙞𝙨 𝙢𝙖𝙠𝙞𝙣𝙜 𝙖𝙡𝙡 𝙩𝙝𝙚 𝙣𝙤𝙞𝙨𝙚 𝙞𝙣 𝘾𝙤𝙡𝙡𝙚𝙘𝙩𝙞𝙤𝙣𝙨 𝙩𝙤𝙙𝙖𝙮. Will it automate everything? Will it replace human roles? Or will it redefine how the industry operates? Here’s the thing. AI in Collections isn’t about removing people. It’s about making collections smarter, faster, more scalable, and far more consistent in outcomes. The future belongs to intelligent operations where success is not occasional, but repeatable. Tune in as industry stalwarts like Sagar Chaudhuri share their perspective on how Collections is evolving for the next era. #collections #DPDzero #BCS2026 #AIdebtcollections #futureofcollections

We’re reshaping the collections ecosystem with an AI-led, empathy-first approach. What’s been even more interesting is the shift in how collections leaders across India are thinking. They’re already ahead of the curve. Clear expectations, sharp perspectives on what AI should do today and where it needs to go next. 🚀 Hear it firsthand from Anil Nayak, NCM at Unity Small Finance Bank. #DPDzero #forthosewhodecide #collectionsleaders #BCS2026

𝘛𝘩𝘦 𝟮𝟱-𝟮𝟲 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘺𝘦𝘢𝘳 𝘫𝘶𝘴𝘵 𝘤𝘭𝘰𝘴𝘦𝘥.   Which means right now , before FY27 targets get set, is the single best time to ask hard questions about your collections setup.   Here's what to look for:   𝗥𝗲𝗰𝗼𝘃𝗲𝗿𝘆 𝗿𝗮𝘁𝗲 𝗯𝘆 𝗗𝗣𝗗 𝗯𝘂𝗰𝗸𝗲𝘁 Not just overall recovery. What's your 0-30 DPD rate? 31-60? 90+? If your partner can't break this down, that's a red flag.   𝗕𝗼𝗿𝗿𝗼𝘄𝗲𝗿 𝗰𝗼𝗺𝗽𝗹𝗮𝗶𝗻𝘁 𝗿𝗮𝘁𝗲 How many escalations did your collections process generate? If your partner tracks revenue but not complaints, they're optimising for the wrong thing.   𝗖𝗼𝘀𝘁 𝗽𝗲𝗿 𝗿𝘂𝗽𝗲𝗲 𝗿𝗲𝗰𝗼𝘃𝗲𝗿𝗲𝗱 Collections per collections should be a metric chased and measured   𝗥𝗲𝗮𝗹-𝘁𝗶𝗺𝗲 𝗿𝗲𝗽𝗼𝗿𝘁𝗶𝗻𝗴 Can you see your collections performance live or are you waiting for a weekly PDF?   𝗖𝗼𝗺𝗽𝗹𝗶𝗮𝗻𝗰𝗲 𝘁𝗿𝗮𝗰𝗸 𝗿𝗲𝗰𝗼𝗿𝗱 One RBI notice from your collections partner can become your problem. Have you checked?   If you can't answer these questions about your current partner it's time to ask them. #DPDzero #auditwindow #collectionspartner #lendingecosystem  

39% of borrowers in India have faced abusive or harassing recovery calls.   Let that land for a second.   Not a fringe statistic. Not a few bad actors. 39%. Nearly 2 in 5 people who ever defaulted on a loan.   Here's the thing nobody wants to say:   This isn't a compliance problem. Slapping a Fair Practice Code on a collection agency doesn't fix culture. RBI circulars don't change how an agent speaks to a borrower at 8pm.   This is a structural problem.   When your collections model is built on commission, urgency, and fear , you get behaviour that maximises pressure, not recovery.Ethical collections isn't about being soft. It's about being smart.   A borrower who understands their situation, feels respected, and sees a path forward? They repay.   A borrower who feels cornered and humiliated? They disconnect. They avoid.They default harder. The collections industry needs to stop treating dignity as a constraint and start treating it as a strategy.   That's what we're building at DPDzero.   #DebtCollections #BorrowerRights #Ethicalcollections #Fintech #India #DPDzero

𝗥𝗲𝗯𝘂𝗶𝗹𝗱𝗶𝗻𝗴 𝗖𝗼𝗹𝗹𝗲𝗰𝘁𝗶𝗼𝗻𝘀 𝗳𝗼𝗿 𝘁𝗵𝗲 𝗗𝗶𝗴𝗶𝘁𝗮𝗹 𝗟𝗲𝗻𝗱𝗶𝗻𝗴 𝗘𝗿𝗮. Tune into an in-depth conversation with our Founder, CEO Ananth Shroff speaking about everything that is broken and needs to be changed in the collections ecosystem. Let’s hear him out on how a Full-Stack, Intelligence-Driven Collections is going to be the future. Podcast now available on 𝘚𝘱𝘰𝘵𝘪𝘧𝘺, 𝘈𝘱𝘱𝘭𝘦 𝘗𝘰𝘥𝘤𝘢𝘴𝘵𝘴, 𝘈𝘮𝘢𝘻𝘰𝘯 𝘔𝘶𝘴𝘪𝘤, 𝘢𝘯𝘥 𝘠𝘰𝘶𝘵𝘶𝘣𝘦.  All links in comment below. #DPDzero #podcast #lendingecosystem #aidebtcollections

𝙀𝙫𝙚𝙧𝙮𝙤𝙣𝙚'𝙨 𝙪𝙨𝙞𝙣𝙜 '𝘼𝙄-𝙥𝙤𝙬𝙚𝙧𝙚𝙙' 𝙞𝙣 𝙩𝙝𝙚𝙞𝙧 𝙥𝙞𝙩𝙘𝙝 𝙙𝙚𝙘𝙠. Very few can tell you what that actually means.   Here are 5 myths about AI in collections that the industry keeps repeating and the reality behind each one.   Swipe through. Save this. Share it with whoever just said 'we use AI' in a meeting without explaining how.   #AI #DebtCollections #Fintech #CollectionsTech #DPDzero #Lendingecosystem