Recovery & Collections
Reviving a Large Stressed Retail Loan Book
A regional NBFC's aging retail portfolio was recovered through a restructured, bucket-wise collection strategy.
Significantly improved within two quarters
Recovery rate
Meaningfully reduced
90+ DPD accounts
Real-time, daily reporting
Portfolio visibility
The Challenge
A retail loan portfolio with rising 90+ DPD accounts had exhausted in-house collection capacity, with recovery rates falling well below target.
Our Approach
Segmented the portfolio by bucket, geography, and recovery probability
Deployed trained tele-calling and field teams matched to each segment
Introduced legal recovery tracks for high-value, long-overdue accounts
Built daily MIS dashboards for portfolio-level visibility