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HomeCase StudiesAI Collection Intelligence — India MFI (₹1,800 Cr Portfolio)
AI AUTOMATIONBanking & NBFCIndia

AI Collection Intelligence — India MFI (₹1,800 Cr Portfolio)

Collection efficiency +34% | PAR30 -28% | Field agent productivity +2.4×
10 weeks

The Problem We Were Brought In To Solve

India MFI with PAR30 at 8.4% post-COVID. 420 agents spending 40% of time on low-propensity borrowers across 3 states.

How Revino Delivered

Daily borrower risk scoring using payment history, crop cycles, group meeting attendance, weather data. WhatsApp self-cure automation for low-risk accounts.

Measurable Business Impact

Collection efficiency: +34%
PAR30: 8.4%→6.1% (-28%)
Agent productive visits: +2.4×
WhatsApp self-cure: 18% of dues collected pre-visit
Write-offs reduced: ₹22 Cr in Year 1
PythonXGBoostWhatsApp Business APIAWSPostgreSQL
Banking & Financial Services IndustryAI Automation & AnalyticsWhatsApp Automation
KEY METRICS
+34%
Collection efficiency
-28%
PAR30
2.4×
Agent productivity
₹22Cr
Write-off saved
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