Impact

Advisory built for recovery economics, not transformation theatre.

IDAI partners with banks, NBFCs, and digital lenders that need operator-grade judgment on self-pay design, AI collections orchestration, and governed value realization — from India first, with a practice portable to non-bank lenders globally.

Confidential. Executive-facing. Outcome-scored.

Operator before framework

Engagements are led by someone who has owned collections digital strategy, regulated platform launches, and AI pilots inside retail lending — not by a generic transformation template.

India-proven, globally portable

UPI, BBPS, field economics, and RBI-era recovery conduct shape the India practice. The same Cure Ladder logic travels to non-bank lenders wherever digital rails and field cost pressure coexist.

Evidence over theatre

Every engagement ends in numbers a CFO and Head of Collections can defend: recovery quality, cost-to-collect, complaint risk, and a clear next decision.

Engagements

Three ways to begin. One standard of evidence.

Investment floors are published so serious institutions can qualify fit quickly. Final scope is fixed after a short confidential discovery. Global engagements are framed in USD; India may be contracted in INR. Selecting an engagement pre-fills the discussion form below.

Diagnostic

Digital Collections Diagnostic

A confidential, operator-grade assessment of self-pay potential, treatment design, channel economics, and AI vendor fit — built for collections and recovery leadership that needs a board-ready path, not another pilot slide deck.

Duration: 3–4 weeks
Investment: From USD 4,500; India: from INR 3.5L · fixed-scope

Best fit. Heads of Collections, Digital Recovery, COO / CSO offices at NBFCs, banks, and digital lenders with rising cost-to-collect.

Outcomes

Quantified self-pay and early-bucket opportunity envelope
Clear treatment ladder with suppress / escalate logic
Vendor shortlist scored for fit, risk, and unit economics
90-day pilot plan with KPIs and governance gates

Deliverables

Current-state map: strategy, channels, vendors, field load
Cure Ladder redesign for the priority portfolio
Economics model: field vs digital recovery cost structure
Executive brief + working session with decision owners

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Operating Partner

AI Collections Pilot Operating Partner

Fractional product and strategy leadership inside a live pilot. IDAI co-owns design, data hygiene, treatment rules, channel orchestration, and result readout — so the institution gets outcomes without a multi-year platform bet.

Duration: 8–12 weeks
Investment: From USD 14,000; India: from INR 12L · pilot-scoped

Best fit. Institutions ready to run a governed pilot on a defined book (auto, consumer durable, personal loan, MSME) with a named executive sponsor.

Outcomes

Working pilot on a controlled segment
Measured movement in self-pay rate and cost per recovery
Compliant treatment and complaint-safe operating rhythm
Decision pack: scale, revise, or stop — with evidence

Deliverables

Pilot charter, success criteria, and risk controls
Data preparation protocol (PII strip / anonymisation guidance)
Next-best-action and intensity ladder configuration
Weekly operating cadence + final scale recommendation

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Institutional

Governed AI Value Realization

For institutions where AI spend is rising faster than realized P&L impact. A finance-first operating model that ties use cases to value pools, stage gates, and accountable delivery — with collections and credit as high-yield domains when relevant.

Duration: 6–10 weeks
Investment: From USD 12,000; India: from INR 10L · program-scoped

Best fit. CXO, digital, risk, and transformation offices that need one shared language for AI value — not disconnected model and channel experiments.

Outcomes

Prioritized value-pool portfolio with expected return ranges
Decision rights and stage-gate design across risk and delivery
Instrumentation for realized impact, not activity metrics
Executive operating cadence for scale with control

Deliverables

AI value map linked to capital efficiency and loss / cost levers
Governed deployment playbook
ROI realization scorecard design
Leadership workshop and 12-month roadmap

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Proof orientation

Shaped by work that moved recovery numbers inside regulated retail lending.

2×

Digital self-pay collections improvement in a large retail auto book after redesigning selection, messaging, and payment friction — not after buying another CRM.

₹2.2 Cr

Approximate annualized savings attributed to the digital collections initiative in the first production cycle, with higher unclaimed field-side impact held for stakeholder peace.

~4%

Material recovery contribution from skip and write-off partnership redesign relative to a full-year PBT base — deep-bucket work, not only early delinquency polish.

Outcomes above are drawn from founder-led work in top-tier Indian retail lending environments prior to IDAI. Engagements do not guarantee identical results; they apply the same operating discipline to your portfolio constraints.

Product adjacency

Impact funds the path to SelfPay.

Diagnostics and pilots surface the operating system SelfPay productizes: good-bounce selection, intensity orchestration, and clean handoff to field, asset, or write-off teams. Institutions may begin with pure advisory and graduate to a confidential pilot console when ready.

View SelfPay direction →

Confidential Discussion

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