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Developed the collections strategy for different defaulting customers of a leading Indian bank

About Client

Client is an Indian private sector bank headquartered in Mumbai and founded in 1943.It mainly served small and medium enterprises (SMEs) and business merchants in the Kolhapur-Sangli belt. As of December 2019, it has a network of 372 branches and 394 ATMs across 28 states and union territories and announced a raised INR 675 crore through preferential issue.


The bank wanted to create the collections strategy for different segment of customers who had failed to clear their payments.


  • A crosstab was created that bucketed customers based on the risk score band (from the model) and the amount outstanding.
  • The collections strategy was chosen for different buckets.
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