1.5%
Successful recovery of targeted NPA accounts
Consumer Services
About the Client
Simpl is a Bengaluru-based fintech company founded in 2015, offering a one-tap checkout and Buy Now, Pay Later solution integrated with 26,000+ merchants including Zomato, Swiggy, and BigBasket. Built on a trust-first model, Simpl lets users shop instantly and settle payments interest-free without credit cards or paperwork.
The Challenge
DPD 300 plus accounts represented the most difficult collections bucket for Simpl.
NPA accounts received limited human follow-up due to low recovery expectations
Human agents deprioritized deep delinquency cases in favor of earlier buckets
Manual collections effort had diminishing returns and high fatigue
Soft or inconsistent messaging reduced seriousness and urgency
High opex with low confidence of recovery led to conservative effort allocation
The core issue was underinvestment and inconsistent pressure in the toughest recovery segment.
The Solution
Weya AI deployed a specialized AI collections agent designed specifically for DPD 300 plus recovery.
Use cases implemented:
Aggressive collections outreach: AI agents used firm, consequence-led language tailored for deep delinquency cases
Legal consequence awareness: Calls informed borrowers about escalation paths such as legal notices and credit impact
High-frequency persistence: AI executed repeated, timed follow-ups without fatigue or bias
Human escalation only on intent: Only accounts showing payment intent or dispute were routed to human agents
The AI was intentionally calibrated to be pushy and uncompromising, aligned to the risk profile of NPA accounts.
The Results
Successful recovery of 1.5% of targeted NPA accounts