EMI follow-ups that keep the relationship intact
An NBFC's early-bucket book — one to fifteen days past due — is where recovery is cheapest and tone matters most. But the collections floor works the oldest debt first, so the early bucket ages untouched into the expensive one. Most of these borrowers just forgot, got paid late, or have a dispute nobody logged.
- The desk
- Early-bucket EMI follow-up
- The volume
- 1–15 DPD, thousands of small tickets
- The stake
- A promise date, or a hardened default
- Mon
The early bucket, worked first
Day-2 past-due accounts import with EMI amount, bounce reason, and payment history. The forgetful majority get a reminder before it becomes a mark.
- Tue
Promises get dates
A borrower who says 'salary on the 7th' gets a promise-to-pay logged for the 8th — and a reminder call scheduled for the 7th evening.
- Wed
Disputes come off the queue
The borrower who already paid, or contests the charge, is flagged as a dispute with their account of it — and stops getting collection calls immediately.
- Thu
Hardship routes to humans
A job loss or medical situation is never negotiated by the agent. It becomes a priority handoff to the restructuring desk, with the story attached.
- Fri
Promise dates come due
The 7th-evening reminders go out. Kept promises close; broken ones escalate with the full history — no borrower re-tells their story twice.
Tuesday, 12:30 — EMI bounced two days ago, first contact.
Talenoa
आपकी इस महीने की EMI दो तारीख़ को bounce हो गई थी। कोई दिक्कत तो नहीं — बस confirm करना था।
Caller
हाँ वो salary लेट आई है। सात तारीख़ को आ जाएगी, उसके बाद कर दूँगा।
Talenoa
ठीक है, मैं आठ तारीख़ की promise note कर रही हूँ। सात की शाम को एक reminder call आ जाएगा।
What landed in the system.
Not a call note. A disposition, its evidence, the work it created, and the receipt of the sync — written back where your team already looks.
- Disposition
- promise_to_pay
- Evidence
- salary delay · commits 8th
- Task
- reminder call · 7th 18:00
- Writeback
- LMS promise date + history synced
1–15DPD
the bucket that finally gets worked first
1call
to turn a bounce into a promise date
0threats
hardship always routes to a human
- C-01SalesRooftop solar
- C-02RenewalsBroadband ISP
- C-03SupportHome appliances
- C-04AppointmentsDiagnostics lab
The sixth case file starts with your phone number.
Every case here began the same way — a team told us what their calls were supposed to achieve, and we built the run. Tell us yours. A live agent is on your leads inside 48 hours.