Where Collections Fail—and Where They Can SoarIf you manage collections at a bank or NBFC, this much is clear: It’s not the DPD count alone that’s keeping you up at night—it’s the ticking clock. Because after 30 days past due, every hour matters. Recovery probability...
Today, offering a loan isn’t just about giving credit. It's about delivering seamless, fast, digital-first experiences that borrowers now expect. But here’s the thing nobody tells you: almost every broken borrower journey can be traced back to one outdated system in...
For decades, lenders relied on monolithic loan origination systems built to support scale and compliance. But those very systems — once considered the backbone of growth — are now turning into barriers. Product launches are delayed by weeks, sometimes months. Updating...
Launching a new loan product is one of the most cross-functional, high-pressure efforts in modern banking. It’s not just about getting the underwriting logic right. It’s about aligning multiple departments—credit, risk, compliance, operations, legal, product, and...
1. Imagine: Your Risk Team Wants to Tweak a Rule. It Takes Three Weeks. It’s a Monday morning. Your product head has a brilliant idea: launch a limited-time offer for pre-approved customers under 28, in metros, with no current liabilities, and a credit score over 720....
1. Why Collections Needs a Smarter BrainPicture this. You’re not just managing collections. You’re accountable for liquidity recovery, portfolio hygiene, and risk containment. Collections today isn’t a back-office function—it’s the front line of financial resilience....
A Simple Idea. A Big Impact.In lending, every second counts.Who gets approved. What offer goes out. When action is triggered.These aren’t just decisions—they're the engine behind growth, risk, and trust. But when the rules driving those decisions are slow to change,...
Most of us in lending grew up with phones at the heart of collections. We built scripts. We hired and trained agents. We tracked dial attempts and pickup rates as key indicators of success. But borrowers have changed. And quietly, so has the game. Today, people are...