Case Study of PAISALO

Orchestrating Collections Across A Distributed Lending Portfolio.

Paisalo partnered with Fundamento to automate outbound collections across DPD buckets using Voice, IVR and WhatsApp—combining scheduled intervention, borrower signals and field-team handoffs to manage repayment at scale.

Written By

Team Fundamento

Published

Managing Collections Across A Large, Distributed Lending Book

Paisalo operates a distributed lending portfolio spanning ABF and MFI businesses, creating a collections environment where borrower engagement must work across large account volumes and different repayment stages.

Fundamento’s deployment focused on automating the outbound layer while keeping field operations connected to the recovery journey.

At Collection Scale, Timing Becomes A Recovery Variable.

Paisalo needed to engage borrowers consistently before and after due dates while changing the intervention as accounts moved deeper into delinquency.

The challenge was to coordinate large-scale outbound activity without reducing every borrower to the same collection script.

Stage Operational Objective
Pre-Due Prepare borrower for payment
On-Due Drive timely repayment
PD-1 Early overdue intervention
PD-2 Intensify recovery
PD-3 Prevent deeper roll-forward
NPA Focus recovery on the highest-risk accounts
Move from volume-based outbound calling to bucket-aware collections orchestration.

Signal OS™ Turns DPD Position Into A Collections Strategy.

The deployment uses DPD position, tenure and engagement signals to determine when and how the borrower should be contacted.

Signal What It Revealed
DPD / Bucket Current repayment position
Tenure Borrower lifecycle context
Engagement Response to previous intervention
Bucket-Day Position When outreach should occur
NPA Status Highest recovery priority
Architecture Layer Deployment Capability
Customer Signals DPD • tenure • engagement
Decision Intelligence Bucket-day prioritisation
Journey Intelligence Pre-Due • On-Due • PD-1 • PD-2 • PD-3 • NPA
Execution Layer Voice + IVR + WhatsApp
Human Intelligence Same-day field-team push
Account Position → Bucket-Day Logic → Channel Selected → AI Outreach → Recovery / PTP / No Response → Field Action Where Required

One Collections Engine. Six Repayment States.

Journey Objective
Pre-Due Prevent delinquency
On-Due Capture timely repayment
PD-1 Recover early overdue
PD-2 Intensify intervention
PD-3 Prevent NPA progression
NPA Prioritise deep recovery
Channel Role
Voice Primary borrower engagement
IVR Supporting outreach
WhatsApp Reminder / payment nudges
Field Team Same-day physical recovery push
Pre-Due → On-Due → PD-1 → PD-2 → PD-3 → NPA The deeper the delinquency, the more urgent the recovery intervention.

Multi-Channel Agents Working From One Collections Logic.

Agent / Layer Role
Voice Agent Primary bucket-wise collections outreach
IVR Additional borrower reach
WhatsApp Agent Payment reminders and nudges
Bucket Logic Determines treatment by DPD stage
Scheduling Logic Maps outreach to bucket-day grid
Field Handoff Pushes priority cases to field teams
Signal OS™→ Bucket Logic → Channel → Borrower Conversation → Outcome → Next Intervention

Automation Covers The Calling Layer. Field Teams Complete The Physical Recovery.

The deployment does not use a human tele-calling floor. Instead, AI manages outbound engagement while priority cases can be pushed to field teams for same-day action.

AI Handles Field Teams Handle
Pre-due reminders Physical recovery
Due-date outreach High-priority cases
DPD-specific collection calls Same-day field intervention
Payment nudges On-ground resolution
Human effort is reserved for the cases where physical intervention can change the recovery outcome.

Capabilities Are Not Projected. They Are Measured.

38.7%

NPA Share Of Outstanding

100% automated outbound layer

Collections Model

Pre-Due through NPA

Lifecycle Coverage

Voice + IVR + WhatsApp

Channel Coverage

Scale Created A New View Of Collections.

Intelligence Created What It Enables
DPD Cohorts Distinct treatment by repayment stage
Bucket-Day Intelligence More structured outreach timing
Tenure Signals Better borrower context
Engagement Signals Identify response patterns
NPA Concentration Intelligence Focus recovery effort where exposure is highest
Field Handoff Logic Connect AI engagement to on-ground recovery
Collections intelligence is strongest when portfolio scale, repayment stage and operational action are connected in one system.