But the unwritten playbook to actually do that job? Call borrowers repeatedly. Shout and abuse them. Repeat until the money comes in.
This is the reality of India's collections ecosystem, as described by Ananth Shroff, co-founder of DPDzero (Fund IV), at Blume Day 2026.
India's credit infrastructure has made a remarkable leap. Today, a loan can be disbursed faster than a Zepto delivery. But collections still remain manual, fragmented, and stuck in a different era entirely.
But collection agents aren't the problem. They're working with incomplete intelligence and impossible targets, which forces them to resort to abuses, threats, and all sorts of unscrupulous means.
In his AI Forward talk at Blume Day 2026, Ananth explains how building the intelligence layer for collections addresses this core friction. Equipped with AI, agents know exactly who to call, when to call, and how to negotiate, so intimidation is no longer a substitute for insight.
This helps them collect better and not resort to abusing their borrowers, who in turn feel like borrowing more, making the entire credit ecosystem more robust.