The OEM Certification Requirement Inside RBI’s Device-Locking Rule
TL;DR This piece cites RBI’s NBFC-specific 2026 amendment (paragraph 100S) from secondary-source reporting, not a primary RBI text we’ve been able to fetch directly. Treat the paragraph citation as high-confidence, not primary-confirmed. Most compliance teams reading RBI’s new device-locking rule stop at the parts that are easy to operationalize: the 30-day and 60-day thresholds, the […]
The 7-day rule: why your recovery agency list can’t sit static on your website
TL;DR Most NBFC compliance teams treat their recovery agency list as a static page, published once and forgotten. That assumption is now a liability. The 2026 amendment to RBI’s Responsible Business Conduct Directions turns this list into a live document with a hard deadline attached to every change. This piece covers exactly what the list […]
The RBI Fair Practices Code and what it actually requires from NBFC collections teams
TL;DR Every NBFC collections conversation eventually runs into a version of the same question. Is this specific practice allowed. The answer almost always traces back to one document: the Fair Practices Code every customer-facing NBFC is required to adopt. Most compliance teams know the Code exists. Fewer treat it as the single source that everything […]
Why recovery calls are the next RBI compliance flashpoint for NBFCs
TL;DR Every NBFC collections desk is about to inherit a new recordkeeping obligation, and most compliance teams have not mapped what it actually touches yet. RBI’s Fourth Amendment Directions, 2026 (RBI/2026-27/223, for commercial banks) and the parallel Third Amendment Directions, 2026 (RBI/2026-27/230, for NBFCs) both landed on 6 August 2026, effective 1 January 2027. Buried […]
MLOps Consulting Services: What Actually Belongs in the Scope
TL;DR A CFO signing off on an MLOps consulting engagement usually sees a proposal built around getting models into production: a deployment pipeline, a monitoring dashboard, a handover deck. That is real work and it is worth paying for. It is also, on its own, half the job. The other half is proving the model […]
Data Pipeline Automation and the Reconciliation Problem It Creates
TL;DR A data team automates a pipeline to stop moving files by hand, scheduling batch jobs, and re-running failed transfers manually. All of that goes away, and it should. What often goes away with it, without anyone deciding to remove it, is the person who used to glance at yesterday’s total against today’s and notice […]
Data Pipeline Tools: What Banks Actually Run, and Where the Gaps Open Up
TL;DR A data team asked to name its pipeline tools usually lists three or four: something that pulls data from source systems, something that transforms it, something that schedules the whole thing, and something that stores the result. None of it was bought as one purchase. Each piece solved one problem well at the time […]
Model Drift: Catching Decay Before It Reaches the Regulator
TL;DR Nobody edited the code. Nobody touched the weights. Nothing broke in the way a system usually breaks. And the same model, running the same math on today’s applicants, is getting more of them wrong than it did at launch. That is drift, and it is the quietest way a working model stops working. This […]
Risk Modeling in Lending: Methods, Controls, and Where Models Fail
TL;DR A model can post a strong AUC, pass its backtest, and clear every validation check a team runs on it, and still get the next year wrong. The math was never broken. What broke was the world the model assumed would hold. A Risk Model Can Pass Every Backtest and Still Be Wrong Risk […]
Model Validation: What Independent Review Has to Cover
TL;DR A risk team builds a new collections scorecard, tests it against last quarter’s data, and ships it. The development team calls that testing “validated.” It is not. A model checking its own homework is not validation, it is confidence, and confidence is not what a regulator asks to see. Independent review is what actually […]
