Collections Strategy Configuration

DPD-triggered strategy ladder for digital credit collections in Kenya.

CBK DCP §24 aligned

Active Strategies

6

Loans Under Strategy

41,802

Auto-Actions Today

312

Strategy Effectiveness

84.2%

Strategy ladder

6 active rules

Strategy	Bucket	Triggers	Actions	Automation	Success rate
Early Intervention	DPD 1-7	Missed instalment, no PTP	SMS + WhatsApp nudge	Fully automated	91%
Soft Reminder	DPD 8-14	No payment after first nudge	SMS + call queue	Auto-prioritised	86%
Hard Reminder	DPD 15-29	Broken PTP or silent borrower	Call + guarantor alert	Officer assisted	78%
Field Visit	DPD 30-59	PAR30 exposure	Field visit + collateral check	Manual dispatch	64%
Legal Notice	DPD 60-89	No cure plan after field visit	Legal notice + CRB warning	Approval gated	48%
Write-off Prep	DPD 90+	NPL and failed recovery plan	Legal + write-off pack	Manual control	31%

Resolution rate by strategy

Early Intervention

91%

Soft Reminder

86%

Hard Reminder

78%

Field Visit

64%

Legal Notice

48%

Write-off Prep

31%

CBK DCP §24

Mandatory

Early-intervention rules are active from DPD 1, with borrower notices, consented contact channels, and escalation evidence retained for audit.