Collections-as-a-Service

Portfolio In. Recoveries Out.

DPDzero manages the complete recovery lifecycle - from AI-powered segmentation and omnichannel engagement to compliant execution and performance reporting. An outcome-led operating model where success is measured by outcomes, not activity.

8000

Collections so far

100

DRA Certified Agents

PAN India Coverage

Trusted with India's Biggest Loan Portfolios.
The Challenge

Why Traditional Collections Fail? Collections Were Never Built for Accountability.

Traditional agencies rely on manual lists and repetitive outreach. Technology platforms provide visibility but leave execution to others. Neither takes ownership of what matters most, recovery outcomes.

Limited borrower context

Agents work from manual lists with no borrower context. Every call is effectively a cold call.

No shared intelligence

Channels are managed by separate vendors with no shared intelligence. What the digital team did is invisible to the calling team.

One size fits all

Borrowers with different intent, behaviour, and repayment capacity receive the same outreach strategy, leading to poor experiences, and unnecessary escalations.

No clear accountability

Accountability is diffuse. When recovery numbers disappoint, responsibility is spread across vendors, channels, and internal teams

The Result

Lower recoveries, higher operating costs, inconsistent borrower experiences, and fragmented accountability.

Collection as-a-Service

One Partner.
End-to-end Accountability.

What Lenders Owns

Portfolio

Lender provides the portfolio, while we turn every account into an actionable collection journey with the right strategy, channel, and follow-through

What DPDzero Owns

Borrower enrichment and risk scoring

We build a complete profile for every account before any outreach begins.

Channel selection and campaign execution

We decide which borrower gets which channel, run every campaign, and adjust in real time based on response signals.

Advisor Hiring, Training & Certification

Every advisor is hired, trained, certified, and continuously monitored to deliver consistent, compliant, and high-quality borrower interactions.

Compliance at each interaction

Every call, message, and field visit is governed by built-in compliance controls, protecting borrower dignity, regulatory standards, and brand reputation.

Performance Reporting & Portfolio Visibility

You get full visibility into what is happening on your portfolio, at every stage of the cycle.

The Collections Lifecycle

Every recovery is powered by one integrated platform that combines intelligence, automation, omnichannel execution, and real-time visibility - bringing the entire collections lifecycle together.

Portfolio Intake

REST
SFTP
Files
Your allocation arrives via API, SFTP, or files.
Every borrower account is enriched with payment history, DPD, language, and contact time.

Decision Intelligence

Risk Scoring
Cohort
AI/ML models deep dive to segment borrowers across delinquency and risk profiles
Every borrower is scored on contactability, propensity to pay, intent to engage, and previous payment behavior

Channel Execution

Digital
Voice AI
TeleCalling
Field
Digital and Voice AI engagement begins from Day 0, adapting outreach across channels based on borrower behaviour and response signals.
Telecalling takes over with complete borrower context, real-time AI-prompts
enabling informed, empathetic conversations instead of repetitive follow-ups.
Field operations execute with the same shared intelligence, using a purpose-built
app for compliant visits, tracking, and legal workflows.

Reporting and performance review

Full portfolio visibility across every channel and stage, in real time.
Regular performance reviews with your team throughout the cycle.
Strategy is adjusted based on what the data shows, not at the end of the cycle.
All disputes, visit evidence, dispositions flow back into lender systems

The DPDzero Advantage

A collections operating model designed to align incentives, scale execution, ensure compliance, and deliver consistent recovery outcomes.

Full delinquency spectrum

Most agencies operate within specific delinquency buckets. DPDzero is built to manage portfolios seamlessly across the entire recovery lifecycle.

Compliance By Design

Compliance is built into every borrower interaction. Every template, call script, and field visit follows RBI's Fair Practices Code, with lender-approved communications, DLT registration, and TRAI compliance built into operations.

Proven at scale

Trusted by 35+ lenders to manage ₹2,000+ crore in monthly portfolios across personal loans, credit cards, two-wheeler loans, and business loans, - for banks, NBFCs, and fintechs.

Outcome based pricing

Commercials aligned with recoveries, not activity. Our success is tied directly to your portfolio performance, creating a partnership where incentives are shared from day one.

Case Study

Recovery Outcomes. Delivered.

A top-10 NBFC handed over its entire unsecured PL portfolio - previously split across four agencies, four sets of reporting, and no single owner of the number

One thing that really stood out for us was DPDzero's ability to deliver strong collection outcomes with minimal human intervention and maximum insightful collection.

DPDzero has truly excelled in handling Short-Term Personal Loan (STPL) collections.

The DPDzero team consistently exceeds expectations. Our partnership has shown DPDzero's promise to elevate our results to the next level!

DPDzero helped us unify the customer touchpoints across all our interaction channels with us during the collections process.

DPDzero Full Stack Collections Platform

DPDzero operates across every stage of delinquency. While most collection agencies specialize in a single channel or delinquency pool, DPDzero orchestrates the entire recovery journey through one integrated platform.

Let Us Run Your Portfolio

Join the top Banks and NBFCs overhauling Collections with DPDzero.