INSIGHTS

Arguments, not announcements.

Pieces on how credit conversations get decided, governed, and measured in India — written for the people who have to answer for them.

REGULATION·August 2026

Collections inherits its consent

Under DPDP, what a recovery team is permitted to do was largely decided by the notice given at origination — often years earlier, by a different department, in a form nobody wrote with collections in mind.

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REGULATION·August 2026

Your rules engine is a model now

RBI's draft model risk guidance defines a model by what it does, not what it's called. On that definition, the spreadsheet your collections team scores on is in scope — and so is every vendor system making decisions on your book.

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NEUTRALITY·August 2026

Who scores the agencies?

Every collections vendor optimises the slice it was given. None can see the whole book — which leaves the most consequential decision in collections made on the least information.

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