All results
NBFC · Unsecured personal loans
Early-bucket roll-rate cut by a third
A digital-first nudge cadence plus language-matched calling pulled early-bucket roll-forward down 34% in two quarters, without a single conduct escalation.
−34%
0–30 DPD roll-forward
2 quarters
to stable improvement
0
conduct escalations
The situation
A fast-growing NBFC was watching healthy early-bucket accounts roll into harder buckets faster than its in-house team could call them. Blanket dialing was burning agent hours and irritating customers who'd simply forgotten a due date.
What we did
- Behavioural segmentation split forgetful payers from genuine stress cases
- Forgetful segment moved to consent-based WhatsApp + payment-link nudges
- Language-matched voice reserved for higher-risk early-bucket accounts
- Calling windows and disclosures enforced in-dialer from day one
Identifying details are anonymised at the client's request. We're happy to walk your team through the underlying methodology under NDA.
Want an estimate like this for your book?
Send us a portfolio snapshot. We'll come back with a realistic recovery estimate and a compliance walkthrough — no obligation.