BNPL Collections in India: What Happens When Portfolios Default
BNPL collections in India are becoming a genuinely different discipline from traditional loan recovery, and most institutions built their collections stack before that difference mattered. Buy Now Pay Later and co-lending are two of the fastest-growing credit categories in the country, and both default in ways that don’t map cleanly onto the collections playbooks lenders […]
AI Governance in Lending: Closing the Adoption Gap
Lenders are adopting AI faster than they’re governing it. RBI’s own governor has now said so directly. Here’s what real AI governance in lending actually requires, and why the gap is closing whether lenders are ready or not.
The Multi-Lender Blind Spot: Why Bureau Data Alone Can’t Catch Over-Leveraged Borrowers in Time
A borrower can be fully current on an EMI with your institution and still be six weeks from default. Not because anything has changed in their relationship with you, but because they are quietly carrying debt across three, five, sometimes fifteen other lenders, and the first place that stress shows up is never the loan […]
Why NBFCs Are Pulling Back From Unsecured Lending, and What It Means for Collections Strategy
For most of the last five years, the growth story in Indian NBFC lending was unsecured credit. Personal loans, consumer durable loans, and small-ticket digital credit grew far faster than the system average, and NBFCs led that growth. That story is changing in front of us, and the change is visible in the data, not […]