# DPDzero — Full Site Content > This file is a complete plain-text dump of all public content on dpdzero.com, intended for LLM ingestion. It covers every page: homepage, platform, results, about, careers, blog, API docs, and legal pages. For a curated index, see https://dpdzero.com/llms.txt --- ## Homepage — dpdzero.com ### Hero Reducing delinquencies for lenders. Collections infrastructure as a service. DPDzero runs the full collections operation so lenders don't have to. We handle every channel — AI voice calls, WhatsApp, SMS, IVR, human advisors, and field agents — coordinated by our AI layer, DPD-GPT, which selects the right strategy for every borrower. ### The Problem 70% of calls go unanswered. Borrowers don't pick up unknown numbers. 40% of field visits are wasted. Agents travel to the wrong cases. 15% SMS response rate. Text-only campaigns fall flat in a mobile-first country. Collections is broken not because lenders lack effort — but because each channel works in isolation, without intelligence connecting them. ### How DPDzero Fixes This Three pillars: 1. We run every channel — Voice AI (Tara), WhatsApp, SMS, IVR, RCS, human telecalling advisors (Dialog), and pan-India field agents (Pathfinder). One platform, every touchpoint. 2. Intelligence decides — DPD-GPT scores each borrower in real time, selects the right channel and message, and adapts based on live outcomes. 3. You see the results — A unified dashboard tracks recovery rates, contact rates, cost-per-contact, and agent productivity across every channel. ### DPD-GPT Highlight DPD-GPT is DPDzero's proprietary AI assistant. It answers questions like: - "Why did recovery rates drop last week?" - "Which borrower segments are at risk this month?" - "What's the ROI of adding field visits to this portfolio?" - "Show me the top 10 cases with PTP overdue by 7+ days." DPD-GPT pulls from the unified data lakehouse in real time, surfaces anomalies automatically, and suggests strategy changes — no data team required. ### Technical Integration Overview DPDzero integrates with your existing Loan Management System (LMS) in four ways: Inbound streams (you → DPDzero): - Portfolio and case allocations - Payment confirmations - Dialer telemetry and call logs Dupyter automation engine: - Python-based playbooks for orchestrating collection actions - Guardrails to prevent over-communication per borrower - Blended orchestration across channels with configurable priority rules - Version pins and one-click rollback Outbound destinations (DPDzero → you): - Daily MIS and performance reports - Real-time signals via webhook (payment received, PTP captured, field visit completed) - On-demand data pulls via REST API Supported integration methods: REST API, SFTP, Webhooks, Email, AWS S3, Direct LMS connector, CSV/Excel. ### Traction ₹140Cr monthly collections run rate 140,000 calls per day 30+ lender clients 6X revenue growth since 2024 $7M Series A raised Investors: Blume Ventures, GMO Venture Partners, India Quotient, Better Capital, SMBC Asia Rising. Certifications: ISO/IEC 27001:2022, RBI-compliant, DRA-certified advisors and field agents. ### Customer Logos (partial list) Tata Capital, Moneyview, L&T Finance, Manappuram, Aditya Birla Capital, TVS Credit, RBL Bank, IndusInd Bank, Unity SFB, CashE. --- ## Platform — dpdzero.com/platform DPDzero is a complete collections infrastructure stack: - AI voice agent (Tara) for automated outbound calling - Digital campaigns across WhatsApp, SMS, IVR, and RCS - Managed telecalling advisors (Dialog) for human-touch escalations - Field operations network (Pathfinder) across 45+ cities - Intelligence layer (DPD-GPT) for real-time scoring and strategy - Automation and integration engine (Dupyter) All channels are managed by DPDzero — lenders get outcomes, not vendor management. --- ## Voice AI — dpdzero.com/platform/voice Product name: Tara ### Overview Tara is DPDzero's AI voice agent for debt collections. She handles the full call lifecycle: identifying the borrower, explaining the dues, handling objections, capturing a Promise-to-Pay, sending a payment link, and escalating to a human if needed. ### Capabilities - 100+ specialist sub-agents, each trained for a specific scenario - 10,000 concurrent calls — no scaling bottleneck - 6 languages: Hindi, English, Tamil, Telugu, Kannada, Marathi - Handles objections live: "I already paid", "Call me later", "I don't have money" - Captures Promise-to-Pay (PTP) date and amount during the call - Sends payment link via SMS immediately after commitment - Escalates to human advisor for high-value or distressed borrowers - Records and transcribes every call; stores disposition and sentiment - Detects IVR trees and navigates them automatically - Auto-redials based on configurable retry logic per segment ### Specialist Agent Types - Orchestrator — routes the call to the right specialist - Borrower Identifier — confirms identity using loan number, DOB, or PAN - Financial Distress Responder — handles borrowers who say they cannot pay - Promise-to-Pay Verifier — locks in a PTP date and amount - Settlement Negotiator — offers one-time settlement for eligible accounts - Escalation Handler — transfers to human for complex cases - Payment Link Dispatcher — confirms payment link receipt and validity - Reminder Caller — gentle follow-up for upcoming dues - Post-PTP Tracker — follows up on overdue PTPs ### Outcomes (Voice) Contact rate increase: 50% Resolution rate: significantly higher than human-only teams Cost per resolved case: lower than traditional call centers --- ## Digital Channels — dpdzero.com/platform/digital ### Overview DPDzero manages WhatsApp, SMS, IVR, and RCS campaigns for collection portfolios. DPD-GPT segments each portfolio and selects the right channel, message, and timing per borrower. ### Channels WhatsApp - 92% message read rate - Conversational flows with reply-based PTP capture - Payment links embedded in chat - RBI-compliant templates pre-approved SMS - 100% device reach — no app required - Short links with borrower-specific payment landing pages - 160-series sender IDs (DRA-compliant) - Unicode and English templates IVR - 8+ languages supported - Automated call with DTMF payment confirmation - Configurable call windows and retry cadence RCS (Rich Communication Services) - Native Android messaging with branded sender identity - Carousel and button-based interactions - Read receipts and delivery tracking ### Portfolio Segmentation DPD-GPT segments each portfolio by: - DPD bucket (Days Past Due): 1-30, 31-60, 61-90, 90+ - Outstanding principal (POS) - Geography and language - Payment history and repayment behavior - Channel response history Each segment gets a tailored message sequence, channel mix, and escalation path. --- ## Telecalling — dpdzero.com/platform/telecalling Product name: Dialog ### Overview Dialog is DPDzero's managed human advisor service. When AI and digital channels need a human touch, Dialog's DRA-certified advisors take over — matched by language, trained on compliance, and monitored in real time. ### Capabilities - DRA (Debt Recovery Agent) certified advisors — RBI regulation compliant - Language-matched calling: advisors speak the borrower's primary language - Live monitoring: supervisors can join calls and coach in real time - Smart lead routing: AI assigns cases to the best-fit advisor - Predictive dialing: auto-dials and connects advisors only when a human answers - 160-compliant caller IDs - 99.9% platform uptime SLA - Full call recording, transcription, and disposition logging - Escalation path from Tara (voice AI) to Dialog (human) is automatic ### Use Cases - High-value borrowers who need empathy and negotiation - Complex cases with disputes or partial payment history - Escalations from AI that require human judgment - Settlement negotiations for accounts 90+ DPD --- ## Field Operations — dpdzero.com/platform/field Product name: Pathfinder ### Overview Pathfinder is DPDzero's pan-India field collections network. For accounts where calls and digital have been exhausted, Pathfinder dispatches trained, DRA-certified field agents for in-person contact. ### Coverage and Scale - 45+ cities across India - GPS-verified field visits — every visit has a timestamped location proof - Geo-tagged photos at the visit site - Distance tracking per agent per day - Disposition capture in the mobile app (contacted / not at home / refused / PTP / paid) ### Mobile App — Agent Side My Cases: full list of allocated borrowers with contact info and loan details Follow-Ups: scheduled visit reminders and PTP follow-up queue Route Planner: optimized daily route for multiple visits Disposition Form: guided form for capturing visit outcome and photo proof ### Compliance - All agents are DRA-certified - RBI fair practice code followed for all in-person interactions - No physical intimidation policy; documented escalation path - All visit evidence stored and accessible to lender for audit --- ## Intelligence — dpdzero.com/platform/analytics Product name: DPD-GPT ### Overview DPD-GPT is DPDzero's AI intelligence layer. It sits above all channels and answers questions, detects anomalies, scores borrowers, and recommends strategies — all in natural language. ### Features Unified data lakehouse: all channel activity, payment data, field visit records, and borrower behavior flows into a single store. No data silos. Real-time borrower scoring: every borrower is scored daily (and intra-day for high-risk accounts) on: - Probability of payment in next 7 / 14 / 30 days - Recommended channel mix (voice, digital, human, field) - Optimal contact window (time of day and day of week) - Risk of write-off Alternative data enrichment: DPD-GPT enriches loan records with: - Bureau signals (CIBIL score movements) - Telco data (device activity, SIM churn) - Geographic signals (pincode-level economic stress) - Cross-portfolio patterns (same borrower across multiple lenders) ### DPD-GPT Queries (Examples) "Which portfolios are underperforming vs target this week?" "Predict collection rates for the current month given today's data." "What's driving the drop in WhatsApp response rates for the Fintech A portfolio?" "List all accounts where PTP was captured but payment not received after 7 days." "Show me the top 20 high-value accounts with no contact in 30 days." "What's the optimal time window to call borrowers in Tamil Nadu?" ### Monitoring and Alerts DPD-GPT sends automated alerts for: - SLA breach risk (portfolio falling behind monthly target) - Connectivity drops (SFTP or webhook integration failure) - Collection target risk (predicted shortfall > 10%) - Data sync failures (missing loan records or payment confirmations) - Unusual borrower behavior (multiple payment attempts in short window) --- ## Automation & Integrations — dpdzero.com/platform/automation Product name: Dupyter ### Overview Dupyter is DPDzero's Python-based automation and integration engine. It orchestrates collection workflows, syncs data with lender LMS systems, and enables custom logic without engineering effort on the lender side. ### Automation Capabilities - Python notebooks for building collection playbooks - SDK access for programmatic control of all DPDzero modules - Cron scheduling: run playbooks on any schedule (daily, hourly, event-triggered) - Version history: every playbook version saved; one-click rollback - Pre-built packs: ready-made playbooks for common use cases (PTP follow-up, settlement offer, overdue reminder) ### Integration Methods Bidirectional sync with lender LMS: - SFTP: file-based batch sync (daily/hourly portfolio allocations, payment MIS) - REST API: real-time loan status and payment confirmation - Webhooks: event-driven push from DPDzero to lender system - Email: structured email templates for MIS delivery - CSV/Excel: manual or scripted upload/download - AWS S3: file drop for large portfolio batches - Direct LMS connector: pre-built connectors for common LMS vendors ### Webhook Events DPDzero pushes the following event types to lender webhooks: payment.received — a payment was collected via any channel payment.failed — payment link was opened but transaction failed call.completed — a Tara voice call ended with a disposition call.ptp_captured — a Promise-to-Pay was recorded during a call message.delivered — a WhatsApp/SMS/RCS message was delivered message.read — borrower opened a WhatsApp message field.visit_completed — a Pathfinder agent completed a field visit field.ptp_captured — a PTP was captured during a field visit ### Monitoring Dupyter provides a live operations dashboard showing: - Integration health (last successful sync timestamp per method) - Playbook execution logs - Error rates per channel - Daily MIS auto-generation --- ## Results — dpdzero.com/results ### Headline Outcomes (90-day deployment) 35% recovery rate lift vs pre-DPDzero baseline 60% reduction in cost per contact 2.3x agent productivity improvement 50% increase in borrower contact rate ### ROI Calculator DPDzero offers a live ROI calculator at dpdzero.com/results. Inputs: portfolio size (AUM), current collection rate, current cost structure. Output: projected recovery improvement, cost savings, and payback period. ### By Segment Banks and NBFCs: - 28% recovery rate improvement - 65% cost reduction - Faster SMA (Special Mention Account) resolution Fintechs: - 42% recovery rate improvement - 72% cost reduction (digital-first borrowers respond better to AI) - Scalable for rapid portfolio growth Collection Agencies: - 3.1x throughput increase - 55% margin improvement - No additional headcount required ### Deployment Timeline Week 1–2: Integration and data sync setup (API or SFTP) Week 3–4: Pilot launch on a sample portfolio (1,000–5,000 cases) Month 2: Full portfolio scale, playbook tuning based on pilot data Month 3+: Continuous optimization; DPD-GPT strategy updates monthly --- ## About — dpdzero.com/about ### Mission Building India's collections infrastructure. DPDzero was founded on the belief that collections is a solved problem — if you have the right technology, the right people, and the right data. Our mission is to make institutional-grade collections accessible to every lender in India, not just the largest banks. ### Company Traction ₹140Cr monthly collections run rate 140,000 calls per day 6X revenue growth since 2024 0 regulatory escalations — ever 30+ active lender clients 25,353 crore AUM managed 10M+ borrowers touched 10,000+ pincodes covered 21+ lender partnerships 45+ cities for field operations ### Client List (Named) Tata Capital, Moneyview, L&T Finance, Manappuram Finance, Aditya Birla Capital, TVS Credit, RBL Bank, IndusInd Bank, Unity Small Finance Bank, CashE. ### Funding and Investors Series A: $7M raised Lead investors: Blume Ventures (Bengaluru), GMO Venture Partners (Tokyo) Co-investors: India Quotient, Better Capital, SMBC Asia Rising Fund ### Certifications and Compliance ISO/IEC 27001:2022 — information security management, externally audited RBI Fair Practice Code — all collection activity complies with RBI guidelines DRA Certification — all human advisors and field agents are Debt Recovery Agent certified 160-series sender IDs — all SMS and IVR campaigns are registered and compliant TRAI DLT registration — all message templates pre-registered ### Headquarters DPDzero Solaris, Spatium Aranaya, 1st Main Rd, Sarakki Industrial Layout, 3rd Phase, J. P. Nagar, Bengaluru 560078, India. ### Press Coverage Economic Times — DPDzero raises $7M Series A to expand AI-driven debt collections Moneycontrol — DPDzero, the startup automating debt collections for India's lenders Business Standard — Bengaluru fintech DPDzero targets ₹500Cr MRR with AI collections YourStory — How DPDzero is building infrastructure for India's collections industry Mint — DPDzero's AI voice agent handles 140,000 calls daily for 30+ lenders --- ## Careers — dpdzero.com/careers ### Headline We're changing an entire industry. Come build with us. DPDzero is hiring across engineering, product, operations, and sales. We are based in Bengaluru (in-office). ### Traction Context for Candidates 5M+ borrowers on platform 45+ cities for field operations Series A funded ($7M) 25,353 crore AUM managed 21+ lender partnerships 10M+ borrowers reached 10,000+ pincodes covered ### Core Values 1. Bar Raising over Box Ticking — We hold ourselves and each other to the highest standards. Good enough is not good enough. 2. Truth over Comfort — We say what needs to be said, even when it's hard. We don't manage up; we solve problems. 3. Builders over Managers — Everyone here is expected to create, not just coordinate. We hire people who make things. 4. Outcome over Activity — We measure what happened, not what was done. Effort without results is not celebrated. ### What You'd Be Part Of DPDzero is building the plumbing of India's credit ecosystem. Collections is the last mile of lending — and it has never been done well at scale. We are fixing that with AI, automation, and a relentless focus on outcomes. You would be working on: - AI systems that call hundreds of thousands of borrowers daily - Data infrastructure ingesting payments, calls, field visits, and LMS records in real time - Product decisions that affect how ₹140Cr worth of debt is recovered every month - Operations that span 45+ cities and thousands of cases per day ### Benefits Health insurance — comprehensive coverage for you and family In-office culture — Bengaluru HQ with a strong team environment Meals — daily breakfast and lunch provided Generous leave policy — more than statutory minimum Parental benefits — maternity and paternity support Learning budget — annual budget for courses, books, and conferences Fair compensation — market-rate or above, reviewed regularly Recreation zone — in-office recreation area ### Contact Jobs: jobs@dpdzero.com --- ## API Documentation — dpdzero.com/docs ### Authentication — dpdzero.com/docs/01-auth The DPDzero API uses OAuth with Bearer token authentication. Step 1: Call the /token endpoint. Request: - Method: POST - Content-Type: multipart/form-data - Body parameters: - username: provided over email - password: provided over email Response: ``` { "access_token": "eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9..." } ``` Step 2: Include the token in all subsequent API calls using the Authorization header: Authorization: Bearer Token validity: 30 minutes. Re-authenticate at 29 minutes to avoid expiry mid-operation. Important: The /token endpoint is rate-limited and expensive. Cache and reuse the token. Do not call /token before every API request — this will result in throttling. --- ### API Integration — dpdzero.com/docs/02-api-integration DPDzero can sync data with your Loan Management System (LMS) using a minimal API that you build on your side. #### Get Loan Details DPDzero calls this endpoint on your system to retrieve current loan status before contacting a borrower. Sample request from DPDzero to your system: ```json { "loan_number": "ABC-123" } ``` Sample response from your system: ```json { "earliest_unpaid_due_date": "2023-12-01", "status": "COLLECTED or PENDING", "total_amount_due": "200.00", "payment_link": "https://rzp.io/ahdahd", "last_repayments": [ { "date": "2023-12-01", "repayment_amount": "200.00", "repayment_reference": "17315176512" } ] } ``` If status is COLLECTED, DPDzero will stop all collection activity for that loan. Payment link must have at least 3 days of validity when returned. #### Update Payment (Optional) If DPDzero manages your payment gateway (Cashfree, Razorpay, PhonePe), you can receive real-time payment updates to your system. Sample request DPDzero sends to your update endpoint: ```json { "txndatetime": "2023-08-08T13:13:36", "amount_paid": "100.00", "pg": "CashFree or PhonePe", "transaction_id": "PRQK77LKRS0", "loan_number": "ABC-123" } ``` Expected response: ```json { "status": "SUCCESS or FAILURE", "message": "Updated successfully" } ``` --- ### Payment Callbacks — dpdzero.com/docs/03-payment-notifications Whenever a payment is executed by DPDzero, real-time payment information is pushed to a callback URL you configure in Settings. Authentication: DPDzero sends the header X-DPDZERO-KEY with every callback. Validate this key to confirm the request is from DPDzero. Payload pushed to your callback URL: ```json { "id": "10427", "short_id": "LVQppjFsxnM", "installment_id": "51", "status": "COLLECTED", "pg_payment_id": "860846570310993154", "pg_provider": "Setu", "amount_paid": "1", "transaction_id": "208878856114", "payment_datetime": "2022-03-29T04:40:09.393000", "settlement_number": null, "settlement_datetime": null, "loan_number": "10001", "customer_name": "ranjith", "amount_pending": "1", "due_date": "2022-04-30", "campaign_id": null, "customer_mobile_number": "9481773053", "template_id": "default", "expiry_date": "2022-04-12", "payment_exactness": "EXACT", "channel": "SMS", "communication_operator_status": null, "communication_operator_message_id": null } ``` Respond with HTTP 200 to acknowledge receipt. --- ### Custom Notifications — dpdzero.com/docs/04-custom Custom notifications allow you to use DPDzero's campaign engine to trigger messages via your own delivery infrastructure (your own SMS gateway, WhatsApp BSP, etc.). Setup: 1. Go to Settings / Custom Notifications 2. Enter your webhook URL 3. Optionally configure message templates Authentication: DPDzero sends the header X-DPDZERO-TOKEN with every notification request. Validate this token. Notification payload DPDzero sends to your URL: ```json { "customer_name": "Ranjith", "amount_pending": "1.00", "loan_number": "xxxxx", "status": "PENDING", "remarks": null, "mobile_number": "xxxxxx", "due_date": "2022-04-07", "email": null, "customer_state": null, "text_column_1": "VAL1", "text_column_2": null, "dpd": 7, "payment_short_id": "7LGJBe", "payment_link": "https://app.dpdzero.com/p/7LGJBe", "payment_short_link": "https://fnmo.in/l/7LGJBe", "compiled_text": "Hi Ranjith, your loan number is 10001. Please make a payment. Click here to make payment of INR 1.00: https://fnmo.in/l/7LGJBe", "callback_url": "https://app.dpdzero.com/api/v1/webhooks/custom-notifications/7LGJBe" } ``` If a template is configured, compiled_text contains the ready-to-send message. If no template, compiled_text is empty. Respond with HTTP 200 to acknowledge receipt. #### Attribution Callbacks After delivering the notification to the borrower, POST back to the callback_url in the payload: ```json { "payment_short_id": "axuyadanb", "message_status": "DELIVERED", "promise_to_pay": "2022-01-22T02:00:00+05:30", "send_follow_up": true, "follow_up_request": { "channel": "SMS", "template_id": "template_id" } } ``` Permitted message_status values: - DELIVERED — message was delivered to the device - READ — customer opened and read the message - FAILED — delivery failed DPDzero uses these callbacks to populate campaign analytics and measure channel effectiveness on the dashboard. --- ## Legal Pages ### Privacy Policy — dpdzero.com/privacy DPDzero Technologies Pvt Ltd. Data handling, retention, and user rights for borrowers and lender users of the DPDzero platform. ### Terms of Service — dpdzero.com/termsofservice Terms governing lender use of the DPDzero platform, API access, and data processing agreements. ### Security Policy — dpdzero.com/security-policy DPDzero's security practices: ISO/IEC 27001:2022 certified, annual penetration testing, encrypted data at rest and in transit, access control policies. ### Grievance Mechanism — dpdzero.com/grievance Borrower grievance redressal process for complaints about collection activity. Contact: grievance@dpdzero.com. Resolution SLA: 7 business days. ### Vulnerability Bounty — dpdzero.com/bounty Responsible disclosure program for security researchers. Report vulnerabilities to security@dpdzero.com. Valid reports are rewarded based on severity (CVSS score). ### Brand Assets — dpdzero.com/brand DPDzero logos (SVG and PNG), brand colors, and usage guidelines for press and partners. --- ## Contact Website: https://dpdzero.com Demo: https://dpdzero.com/demo Careers: jobs@dpdzero.com Grievance: grievance@dpdzero.com Security: security@dpdzero.com LinkedIn: https://www.linkedin.com/company/dpdzero Twitter: https://twitter.com/dpdzero Platform login: https://login.dpdzero.com DPDzero Technologies Pvt Ltd, Bengaluru 560078, India.