Impact

Design partnerships built around recovery economics and accountable AI value.

IDAI works with selected banks, NBFCs, and digital lenders to validate SelfPay capabilities and adjacent AI workflows against live operating constraints — from India first, with product logic portable to non-bank lenders globally.

Founder-led. Pilot-scoped. Outcome-scored.

AI initiatives filtered through governance gates into measurable financial outcomes — Value pool. Governed execution. Decision-ready evidence.

Operator before framework

Engagements are led by someone who has owned collections digital strategy, regulated platform launches, and AI pilots inside retail lending. Frameworks are adapted to the institution, not applied as templates.

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.

Defensible evidence

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.

Operating model

The work is designed around the decision a CFO and collections leader must defend.

Use cases are not evaluated as technology activity. They are routed through value pools, governed deployment, and realized impact readouts so the institution can decide whether to scale, revise, or stop.

IDAI operating logic

From AI activity to realized financial value.

A finance-first path: identify the value pool, deploy under governance, and measure what reaches the operating P&L.

01
Value pools
Recovery · risk · cost · capital
02
Governed deployment
Controls · stage gates · owners
03
Realized impact
P&L · cadence · next decision

Design-partner programs

Three ways to begin. One standard of evidence.

Investment floors are published so serious institutions can qualify fit quickly. Each program is scoped around a product or workflow decision, then fixed after a short confidential discovery. Global programs are framed in USD; India may be contracted in INR. Selecting a program 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 decision-ready path grounded in portfolio economics.

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, payment friction, and campaign operating discipline.

₹2.2 Cr

Approximate annualized savings attributed to the digital collections initiative in the first production cycle. Additional field-side effects were excluded where attribution could not be defended cleanly.

~4%

Material recovery contribution from skip and write-off partnership redesign relative to a full-year PBT base, extending the work beyond early delinquency.

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 and SelfPay share one operating spine.

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 a focused diagnostic, move into a governed pilot, and help shape reusable SelfPay capabilities as evidence earns the right to scale.

View SelfPay direction →

Design Partnership

Discuss a focused design-partner program.

Choose a program above, or describe the operating problem and product capability you want to validate. Work email required.