Spocto – Debt Recovery Transformation

Spocto X

Sterling Arcus contributed to Spocto’s transformation by embedding product thinking into recovery operations — enabling their evolution into a scalable platform acquired by Yubi.

Title: Spocto

Description: Before its acquisition by Yubi, Spocto partnered with us to map and modernize India’s fragmented debt recovery operations. Through strategic research, operational mapping, and early product design, we laid the groundwork for Spocto’s transformation into a scalable, tech-driven debt collections platform.

Industry: Fintech / Debt Recovery

Release Date: October 12, 2021

RESEARCH

Conducted deep-dive interviews across stakeholders — agents, lenders, borrowers — to map the end-to-end debt servicing lifecycle. Identified gaps in workflows, empathy, and standardization across India's fragmented collection industry.

DESIGN

Defined user-centered flows for digital, voice, and doorstep recovery channels. Integrated agent energy, borrower behavior, and lender expectations into a scalable, human-first engagement design.

DEVELOPMENT

ntroduced predictive recovery triggers and campaign feedback loops. Codified agent workflows into a structured, data-backed framework that laid the foundation for Spocto’s product-led growth.