Client Protection Is a Design Constraint
Apply client protection as a concrete constraint on loan design, sales, collections, and complaints.
Responsible finance is not a promise after launch; it is a constraint before launch. Product decisions A protected product is suitable, understandable, and timed around real client cash flow. The design team should be able to explain who the product is for, who it is not for, and what signal stops approval. Sales and collections decisions Sales pressure and collection pressure are where good policy often breaks. Incentives should reward quality, not only volume. Collection scripts should recover money while preserving dignity and avoiding coercion. Complaint decisions A complaints channel is not protection unless clients can find it, use it…
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