FrenzoFinserv Blog: Insights on Debt Collection & Fintech

Blogs

Choosing a Debt Recovery Platform: The KPIs That Actually Matter

A collections dashboard can look impressive without telling you whether collections are actually working.

FrenzoCollect
21-10-26

Why the Best Debt Collection Company in India Speaks Your Borrower’s Language

An NBFC may operate across 10 states, lend through the same digital journey and use the same repayment infrastructure, but the borrowers at the other end of that journey may think, speak and respond very differently.

FrenzoCollect
19-10-26

Post-Diwali EMI Defaults: How a Debt Collection Company Helps NBFCs Prepare Before the Wave Hits

Households spend more. Credit card usage rises. Personal loans, consumer durable financing, BNPL, travel spends and festive purchases all compete for the same monthly income.

FrenzoCollect
17-10-26

Debt Settlement Company vs. In-House Recovery: When One-Time Settlements Make Sense for Lenders

That sounds obvious, but in practice, one-time settlements often become relevant when traditional recovery starts delivering diminishing returns.

FrenzoCollect
16-10-26

What is Collections as a Service (CaaS)? The model explained in plain terms

Collections as a Service, or CaaS, is a delivery model: the technology that runs a lender's collections operation - the prediction models, workflow automation, borrower communication layer, compliance guardrails and analytics - is provided as a managed subscription, connected to the lender's existing systems through APIs.

FrenzoCollect
29-09-26

SMA-0, SMA-1, SMA-2: why the most valuable 90 days in lending get the least attention

SMA stands for Special Mention Account - the RBI's classification for loans showing early stress, before they cross the 90-day line into NPA. The buckets are simple: SMA-0 covers accounts overdue by 1 to 30 days (and accounts showing incipient stress even without overdue payments), SMA-1 covers 31 to 60 days, and SMA-2 covers 61 to 90 days. Day 91, the account becomes an NPA, provisioning kicks in, and everything gets harder.

FrenzoCollect
28-09-26

How to reduce NPAs in FY27: five moves that work and two that don't

Half of FY27 is gone. Whatever NPA number your NBFC reports next March is being decided right now, in the accounts currently sitting in SMA buckets - because an account that crosses 90 DPD in December was one you could still have saved in September. NPA reduction sounds like a year-end project; it's actually a mid-year one.

FrenzoCollect
23-09-26

Fix your collections before Diwali, not after: the festive lending surge is six weeks away

Every Indian lender knows the shape of the next three months. Festive credit demand starts building in late September, peaks through October and Diwali in early November, and by December the books carry a quarter's worth of new consumer durable loans, personal loans, BNPL balances and two-wheeler finance.