on month to actually know how they are changing that is effectively how they are able to manage early delinquencies and the collection piece transformation happens in acquisition today and for the next twothree years for me the pick focus is how collection managers are effectively using data to figure out who can be deliquentdo you think retail npa will not happen for next two or three years in terms of systematic risk the only risk that i see is the speed of individuals getting loans the downside of ease of getting credit is that it is really easy to get credits 8 of individuals take another loan within 30 days of getting one it is up from about 4 three years ago so that number is rising the amount of leverage might not matter you make a lot of money somebody will say you can service this loan but the fact that you took another loan from a different lender in 30 days means there is a risk that you got to look at when you actually start seeing the speed of leverage any payment hierarchies can actually fall apart and then you start seeing delays and then the collection cost of lot of the lenders may really rise et now published on jan 9 2019 at 0325 pm ist telegram facebook copy link be the first one to comment comment now comments comment now read comment 1 all comments post post find this comment offensive choose your reason below and click on the submit button this will alert our moderators to take actions reasons for reporting foul language defamatory inciting hatred against a certain community out of context spam others report join the community of 2m industry professionals subscribe to our newsletter to get latest insights analysis download etauto app get realtime updates save your favourite articles scan to download app transunion cibil satish pillai markets hdfc bank interview nbfcs homenewsindustrynbfc lending as consumer durable loan or personal loans have grown last quarter satish pillai transunion cibil