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Blogs

The Follow-Up Economy - Why India’s Debt Collection Strategy Runs on Persistence, Not Intelligence

This loop - the follow-up economy - is the default operating model of collections in India. It runs on persistence. The assumption is that enough contact attempts will eventually produce a payment. Keep calling. Keep following up. Keep the pressure on.

FrenzoCollect
21-04-26

Do Indian Borrowers Listen Less - Or Do They Just Delay Action?

Loan recovery follow-up in India is one of the most persistent frustrations in NBFC operations. It comes up in every collection review at some point.

FrenzoCollect
17-04-26

Promise to Pay vs Intent to Pay - Decoding Indian Borrower Psychology in Collections

The promise to pay rate is one of the most tracked KPIs across NBFC collections operations in India. Get the borrower to commit. Log the date.

FrenzoCollect
13-04-26

Why Indian Borrowers Say ‘Yes’ but Don’t Pay - The Listening Gap in Collections

Understanding borrower behaviour in debt collection India-wide is one of the most misdiagnosed challenges in the lending industry. Collections managers have heard some version of this story a thousand times.

FrenzoCollect
10-04-26

Collections as a Service (CaaS): The Smarter Way for Fintechs and NBFCs to Scale Recovery

Building a collections function is expensive. Hiring and training agents, setting up dialer infrastructure, integrating bureau and communication APIs, building monitoring dashboards, staying compliant with RBI guidelines - it's a six-to-twelve month build before you've recovered your first rupee more efficiently.

FrenzoCollect
31-03-26

How AI Is Transforming Loan Collections for Indian NBFCs

Every NBFC knows the feeling. Month-end arrives. The collections team has made thousands of calls, sent hundreds of field visits, and flooded borrower inboxes with reminders. And the PAR number has barely moved.

FrenzoCollect
19-03-26

What Is Collectech - And Why Every Lender in India Needs to Know

India's lending ecosystem is growing at an unprecedented pace. NBFCs, fintechs, and digital lenders are disbursing billions in loans every quarter. But with growth comes a problem that doesn't show up in the disbursement numbers - it shows up 90 days later, in the DPD buckets.

FrenzoCollect
11-03-26

DPD Buckets Explained: How Smart Lenders Are Using Technology to Stop Roll-Forwards

If you work in lending, you live by DPD. Days Past Due is the most fundamental measure of collections health - the number of days an EMI payment has been overdue. But DPD is more than a number. It's a signal, a risk indicator, and a collection trigger - if you know how to read it.