A Leading Indian Bank reduces pre-delinquency campaign cost by 35% using ML-based analytics


A leading bank in India had been paying high debt collection cost to maintain their debt collection rate.

Netcore’s Strategy

  • Built ML-based analytics model to predict customers who are most likely to turn delinquent
  • Model was based on the historical data related to borrower profile, loan payment behaviour, and marketing channel response
  • The bank then intensified outbound call effort on highly probable delinquent user profiles


  • Reduction in pre-delinquency campaign cost by 35%
  • Bank maintains the collection rate at 96%
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