Insights, The DPD-GPT
Every Collection Decision. Made with Intelligence.
Unify borrower, advisor, and repayment data to uncover what drives recovery performance and recommend the next best action for every account.
Trusted by India’s largest lenders
Introducing DPD-GPT
Where Every Borrower Interaction Creates Intelligence.
DPD-GPT brings borrower data, engagement signals, and recovery outcomes into one intelligence layer - creating a complete view of every account and the entire portfolio.
DPD-GPT
Collection Intelligence
Updated 2 min ago
Conversation history
Daily KPI snapshot
Calling floor · Live
Pune performance
Conversion and coaching
Weekly dip analysis
Deepavali impact
North B2 channel fix
Low-delivery segment
B1 field escalation
Non-contactable cases
PTP reminder automation
Due-today workflow
South 60+ DPD mix
Channel mix by cohort
Portfolio performance
Complete book view
Give me today's KPI snapshot for the calling floor.
Calling floor · Today
Live
Logins
412
↑ 6%
On break
38
Attempts
9,204
↑ 12%
Connectivity
71%
↓ 3%
Connectivity needs attention
Connectivity dipped 3% vs yesterday — mostly on the North B2 segment. Consider shifting to WhatsApp for low-delivery numbers.
Yesterday
74%
Today
71%
RECOMMENDED ACTION
Shift low-delivery North B2 numbers to WhatsApp.
Affected accounts
1,284
WhatsApp reachability
82%
Expected lift
+7–9%
Review affected accounts
Open channel strategy
Compare with yesterday
Show North B2 accounts
Draft channel change
Who are the callers who overachieved in Pune today?
Pune · Calling floor
Live
3 callers overachieved today
Neha, Arjun, and Sanjay logged the most attempts on the Pune floor today. Sanjay's conversion is trailing the team average despite high effort.
Team avg
28%
Top scorer
38%
1
Aarav Mehta
58 calls
38%
2
Neha Kulkarni
52 calls
34%
3
Sanjana Kadam
61 calls
22%
RECOMMENDED ACTION
Recognize top scorers, coach Sanjay Kadam.
Top performer conversion
38%
Coaching candidate
22%
Team average
29%
View caller scorecards
Open coaching plan
View leaderboard
Assign coaching session
Compare with last week
Why did recovery dip this week?
Weekly recovery · Deepavali week
↓ -24%
Recovery needs attention
Recovery dropped sharply this week due to the Deepavali holiday period — fewer borrowers reachable and repayment intent lower across all buckets.
Normal week
78%
This week
54%
Mon
Tue
Wed
Thu
Fri
Sat
Sun
Deepavali holiday (Thu-Fri) — lowest recovery in 8 weeks
RECOMMENDED ACTION
Reschedule missed PTPs to next week.
Affected PTPs
1,120
Voice AI outreach boost
+20%
Expected recovery
75%
Review affected PTPs
Open festival playbook
Reschedule broken PTPs
Boost Voice AI volume
Compare with last festival
Fix the low-delivery segment in North B2.
North region · B2 segment
Live
SMS delivery is critically low
North B2 numbers are on operator networks with weak SMS deliverability. WhatsApp reaches the same numbers reliably.
SMS delivery
42%
WhatsApp delivery
91%
RECOMMENDED ACTION
Shift low-delivery North B2 numbers to WhatsApp.
Affected accounts
3,240
WhatsApp reachability
91%
Expected contact lift
+18%
Review affected accounts
Open channel strategy
Compare with yesterday
Show North B2 accounts
Draft channel change
Which field accounts in B1 need escalation?
B1 field ops · Escalation review
12 flagged
12 field accounts overdue for visit
These B1 accounts have missed 2+ scheduled field visits and show no digital repayment activity in 15 days — high risk of write-off without in-person follow-up.
Avg days overdue
19
Total exposure
₹41.2L
Ramesh Iyer
Kothrud · ₹3.8L
22d overdue
Fatima Sheikh
Hadapsar · ₹2.4L
19d overdue
Vikram Shetty
Wagholi · ₹4.1L
17d overdue
+ 9 more accounts flagged for escalation
RECOMMENDED ACTION
Escalate 12 accounts to priority field visits this week.
Accounts flagged
12
Recommended window
This week
Recovery uplift (est.)
+24%
Assign field agents
View full escalation list
View flagged accounts on map
Schedule field visits
Reassign to nearest agent
Can we automate PTP reminders this week?
PTP reminders · Automation setup
Ready
1,120 PTPs due this week
Manual reminder calls cover only 61% of due PTPs. Automated Voice AI + WhatsApp reminders can reach the remaining accounts before the promise date lapses.
Manual coverage
61%
Automated coverage
98%
RECOMMENDED ACTION
Enable Voice AI + WhatsApp PTP reminders.
PTPs due this week
1,120
Automated coverage
98%
Expected PTP keep-rate lift
+22%
Activate automation
Preview reminder script
Preview WhatsApp reminder
Schedule reminder run
Compare channel performance
How is the South 60+ DPD bucket mix trending?
South region · 60+ DPD bucket
↑ +6%
60+ DPD bucket share is rising
South portfolio's 60+ DPD share has grown from 18% to 24% over 6 weeks, driven mainly by roll-forward from the 30-59 bucket in Chennai and Coimbatore.
6 weeks ago
18%
Today
24%
0-29 DPD 52%
30-59 DPD 24%
60+ DPD 24%
60+ bucket up from 18% six weeks ago, mainly roll-forward from 30-59
RECOMMENDED ACTION
Prioritize Chennai and Coimbatore for early-stage recovery.
Accounts in scope
2,860
Cities driving roll-forward
2
Bucket share reduction (target)
-6pp
Review bucket breakdown
Open city-wise DPD trend
View bucket roll-forward
View Chennai / Coimbatore accounts
Set weekly bucket alert
Give me the overall portfolio performance summary.
Portfolio performance · MTD
↑ +4.2%
Portfolio recovery is ahead of plan
Overall recovery rate is at 82.4% MTD, up 4.2 points from last month, led by strong performance in West and North regions and improved Voice AI containment.
Last month
78.2%
This month (MTD)
82.4%
RECOMMENDED ACTION
Apply West region's playbook to South and East.
Regions to onboard
South, East
Teams impacted
6 branches
Projected uplift
+5.8pp
View West region playbook
Open full regional scorecard
Compare all regions
View MTD trend
Share with regional heads
Borrower Data
Builds dynamic borrower profiles using loan data, outstanding balances, repayments, and portfolio attributes.
Digital Channels
Captures engagement signals, borrower responses, and payment behaviour across every digital interaction.
Voice AI
Understands borrower intent, objections, connectivity, and conversation outcomes to recommend the next
TeleCalling
Turns advisor conversations into insights through dispositions, transcripts, negotiations, and PTPs.
Field Collections
Brings visits, verification, borrower responses, and payment outcomes into one connected view.
The Collections Stack
Every Borrower Outcome Shapes The Next Strategy
Every borrower response, advisor interaction, and recovery outcome feeds back into platform - making every cycle smarter than the last.
01.
Profile
Build a unified borrower view from every available signal.
Priya Singh
Personal loan · ₹48,200
Sources linked
5 of 5
02.
Score
Evaluate risk, propensity, intent, and priority.
R2
Medium risk
Risk
78%
Likely to pay
Propensity
Yes
Willing, salary delayed
Intent
P2
Contact within 24h
Priority
03.
Act
Recommend the next channel, journey, or intervention.
WhatsApp reminder
Payment link · 10:00 AM
Voice AI call
If unpaid by 2:00 PM
Advisor follow-up
Only if PTP breaks
Field visit
Held back
04.
Learn
Feed outcomes back into the system to improve the next decision.
Link opened
Response · 10:04 AM
PTP for 28 Sep
Disposition · 2:18 PM
₹48,200 received
Payment outcome
Strategy updated for next cycle
DPD-GPT
Outcomes feeding DPD-GPT
The Outcomes
Better Intelligence. Better Collection Economics.
Better borrower intelligence helps lenders make every intervention count, improving performance across entire collections lifecycle.
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Higher Resolution Rates
Match each borrower with the strategy most likely to move the account towards a resolution.
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Lower Cost per Resolution
Resolve more accounts digitally and reserve human advisors for the hardest cases.
Better Borrower Context
Keep the borrower context intact across channels and conversations.
Lower Roll-Forward
Identify repayment risk earlier and intervene before accounts move deeper into delinquency.
Turn Every Borrower Signal into a Smarter Recovery Outcome
Bring portfolio-wide intelligence into every decision, helping teams act earlier, allocate smarter, and recover more
