No borrower context
Agents work from manual lists. Every call is effectively a cold call.
Solutions
Outsourced Collections
We take your portfolio and own the outcome. DPDzero manages the full collections lifecycle on your behalf, from segmentation and outreach to escalation, compliance, and reporting.
Outcomes
66%
increase in collection efficiency
22%+
reduction in NPAs across lenders
Up to 30%
lower cost to collect
Trusted by IndusInd Bank, RBL Bank, Tata Capital, L&T Finance, KreditBee, and MoneyView.
Challenge
The problem with how most portfolios are managed today
Traditional agencies run on manual lists and repeat calls. Tech platforms hand you a dashboard and call it a solution. Neither owns what actually matters: whether the loan gets collected.
No shared intelligence
Channels are managed by separate vendors. What digital did is invisible to calling and field teams.
No clear accountability
When recovery numbers disappoint, responsibility is spread across vendors, channels, and internal teams.
How it works
How we run your portfolio at DPDzero
Portfolio received and enriched
- Your portfolio arrives via API, with no manual file transfers.
- Every account is enriched with payment history, DPD, language, and contact time.
Risk scoring and cohort assignment
- Every borrower is scored on propensity to pay, intent to engage, and financial ability.
- Channel strategy follows directly from the score before outreach begins.
Digital and Voice AI outreach
- Low-risk and pre-due accounts get WhatsApp, SMS, RCS, and IVR outreach.
- Non-responders are contacted by Voice AI with full borrower context.
Telecalling for unresolved cases
- Cases are passed to telecalling with the full borrower history.
- Agents know what was sent, said, and promised before they call.
Field operations for 120+ DPD
- App-enabled field agents track visits, enforce compliance, and manage legal workflows.
- Every visit starts from the same borrower intelligence layer.
Reporting and performance review
- You get full portfolio visibility across every channel and stage.
- Strategy is adjusted from live data, not at the end of the cycle.
Channels
The full stack we run on your portfolio
DPDzero operates across every delinquency stage. Most agencies cover one part of the lifecycle. We cover all of it.
Digital channels
WhatsApp, SMS, RCS, and IVR handle high-volume outreach with lender-approved messages and tracked payment links.
Voice AI
Voice AI captures PTPs, manages common objections, sends payment links, and hands off unresolved cases with full context.
Telecalling
Every call is informed by broken PTPs, previous responses, channel history, and risk tier.
Field operations
App-enabled field agents handle late-stage delinquency and NPA cases with tracked visits and compliance controls.
Why DPDzero
What makes DPDzero different
One borrower intelligence layer
Every channel and every team works from the same borrower profile. No one starts from scratch.
Outcome-based pricing
We get paid for recovery, so our incentives are directly aligned with your portfolio performance.
Full delinquency coverage
We manage portfolios from pre-due through 120+ DPD across digital, AI, telecalling, and field.
Compliance built in
Templates, call scripts, and field protocols follow RBI's Fair Practices Code. We are DLT registered and TRAI compliant.
FAQs
Questions lenders ask us
Short answers on launch, compliance, visibility, and how the operation runs.
How does pricing work?
We operate on an outcome-based model. Pricing is structured by loan type, delinquency stage, ticket size, and borrower profile.
How quickly can DPDzero go live on our portfolio?
Three days from the time we receive your portfolio. We configure segments, set up journeys, get template approvals, and launch outreach.
What delinquency buckets do you cover?
We manage portfolios from pre-due through 120+ DPD. Digital and Voice AI cover early and mid buckets, telecalling handles mid to late flow, and field handles 120+ DPD and NPA cases.
How do we retain visibility?
You have real-time performance reporting across every channel, campaign, and stage, plus regular performance reviews with our team.