Supercharge debt collections with AI-driven technology platform

Leverage Machine Learning based insights for collections strategy,
personalized engagements and digital empowered operations.

India’s Best Selling AI-powered Loan Collections Platform - three times winner* for 2022 -2024.

* IBSi Sales League Table India

debt collectionsDebt Resolution PlatformCollection Platform
Collection Platform

Accelerate retail debt recoveries with Credgenics

1Bn+

Omni-channel Communications sent

$250Bn+

Value of retail loans touched for collections in FY24

100Mn+

Retail loan accounts managed

50Mn+

Unique borrowers on the platform

200Mn+

Calls made via dialer

The debt collections platform trusted by 150+ lenders

Integrated debt collections platform with
AI / ML capabilities for retail lenders

Enabling personalized and digital-first engagements

Enhance digital focus in collections with a proactive and non-intrusive approach, personalize communications via data insights from ML-powered models. Identify the most suitable mode of collections for tailored strategy, leverage AI tools and benefit from complete transparency in resolutions.

Leveraging AI / ML insights in collections strategy

Automate and tailor borrower engagement journey with AI and ML insights. Segment borrowers by priority, amount, DPD, status, and more. Use multiple analytical inputs to allocate and treat accounts for omni-channel communication, calls, and field agents to enhance collections.

Digital payments

Powering anytime anywhere digital loan repayments

Generate personalized payment links instantly with Billzy payments, enable borrowers to self-service their bill payments and reconcile transactions in real time. Integrate digital payments seamlessly with other loan recovery functions including Notices, Field collections mobile app and Omni-channel communications.

Digitizing field collections with versatile mobile app

Boost field collection team’s efficiency with CG Collect. Navigate seamlessly with Google Maps integration, use in-app calling for quick outreach and track teams in real-time.Empower agents with complete account history, multilingual interface in 22+ Indian languages, Bahasa, and Vietnamese.

Optimizing the management and tracking of litigation and notices

Strengthen centralized management and team collaboration, implement real-time case management and tracking, automate legal workflow process management. Monitor the performance of legal resources, engaged advocates and recovery rates of cases. Simplify management and tracking of physical and digital legal notices. Get access to end-to-end ODR, Arbitration and Mediation services.

Incredible features

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Make collections simpler & faster

Leverage AI and ML to reimagine loan collections

ML-based models to predict borrower behaviour

Prioritize accounts that have a greater chance of getting paid, follow-up on time and track every call.

Automate communications

Create templates and automate emails, SMS, WhatsApp messages and voice messages for different segments of your borrowers.

Increase field agent productivity

CG Collect mobile debt collections app is enabled with geo-tagging, route map planning, deposit validations, offline update and much more.

ML based collections strategy

Draft legal notices automatically using technology and track all digital and physical notices in one single dashboard.

Gen AI Video communications

Enterprise-grade personalization and interactive capabilities through a series of video based campaigns across the debt collections journey.

Legal collections strategy powered by real-time Insights

Enhance case progression, recovery rates, and advocate visibility with real-time insights through a centralized litigation dashboard.

Maximize and speed up borrower reach

Leverage AI-powered, advanced routing algorithms with Credgenics Predictive Dialer to reduce unanswered calls and hang-ups, increasing connect rates.

Enhance processes with workflow automation

Design customized journeys based on ML segmentation for both simple and complex collection scenarios using a no-code automation tool.

Integrated communications for Debt Collections

Intelligent and personalized communications

Craft an integrated and automated approach to multi-channel communications covering Email, SMS, IVR, DTMF, WhatsApp and Voicebots in multiple languages. Identify the best-suited mode, channel, frequency, tone and time of communication with insights derived from data analytics models.

Develop tailored borrower journeys, assess Promise to Pay (PTP), and implement comprehensive contact strategies for recoveries. Deploy automation intelligence to schedule campaigns on borrower segments.

communications for digital collections

Optimized calling strategy with cloud-based Dialers

Deploy a state-of-the art performance-focused tele-calling strategy by leveraging the best of predictive, auto and click-to-call dialer solution. The AI-powered solution comes with capabilities to reduce idle time, monitor utilization and call performance in real-time.

Segment borrowers based on priority, loan amount, DPD, recovery status, loan type and other filters. Allocate loan accounts to the right calling agents automatically based on pre-set rules and enhance collections performance.

Call on ‘Promise-to-pay’ accounts from within the platform, schedule reminders for follow-ups and log each call.

Dialer for loan collecgtions

Transforming collections with GenAI video campaigns

Engage borrowers with GenAI-powered, tailored video campaigns to educate and nudge customers throughout the debt collection journey. Use Credgenics CollectEngage to share personalized and interactive video messages to selected customer groups, at the desired scale.

Create dynamic and multi-lingual video templates with forms, integrated payment links, and call-to-action buttons for quick response. Access detailed event tracking, heat maps, and channel analytics for actionable insights into customer behavior and responses to optimize your campaign strategy.

loan collections
Policy control

Policy controls and
data security in communications

Credgenics collections platform ensures compliance with all the requisite regulatory requirements encompassing communications across digital channels, field and calling teams.

The platform provides a comprehensive policy framework for implementing  DND, Frequency and Daytime Controls, and Date Exclusion.Credgenics masks the borrower-related personal information in accordance with data privacy laws.

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Loan Recovery Platform

150+ Customers trust us

Latest Insights
credgenics pressrelease
MEDIA COVERAGE

How Credgenics Is Using AI & ML To Help Banks & FIs Improve Debt Collection By 25%

credgenics pressrelease
MEDIA COVERAGE

How loan settlements impact your CIBIL score and how to fix a bad report

PRESS RELEASE

Credgenics Honoured by FICCI and IBA for Driving Innovation in Debt Collections

VIDEO

Founder10x - Helping banks & NBFCs with debt resolution solutions - Rishabh Goel, CEO, Credgenics

CASE STUDY

Enabling a data-driven approach to legal collection

PRESS RELEASE

Credgenics transforms Asset Recovery with an advanced Repossession solution

Featured in leading media publications
Bad Debt Recovery
Field Executive

Boost productivity. Get your field agents up-to-date with the mobile app

Let your field agents navigate to the borrowers’ locations easily using the Google maps integration on the Credgenics mobile app. Integrated in-app calling facility to reach out to borrowers quickly.

Enable field agents to collect better with the multilingual CG Collect app available in 22+ Indian languages along with Bahasa and Vietnamese.

Mark the status of repayment instantly, set collection limits per agent and auto sync with core Credgenics platform.

Access legal notices sent to borrowers on the go.

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LocationLoan Recovery Platform
Billzy PLATFORM

Anytime anywhere digital loan repayments with DIY web and mobile platform

Enable borrowers to pay their bills securely across multiple payment modes with mandatory OTP-based verification. Allow lenders to generate payment links instantly and reconcile transactions in real time.

Set-up recurring auto-debit through Billzy via the NACH mandate for monthly loan repayments on the due date. Integrate seamlessly with other loan recovery functions including Notices, Mobile Collections App, SMS, Email, WhatsApp and IVR.

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Loan Recovery Platform
Reporting

Get a complete summary of your debt collections performance with visual reports.

Know your best performing agents, your collection rate, your DPD-wise performance, total loan amounts recovered, most effective emails and more with detailed analytics.

Build custom reports and strengthen your collections processes.

debt recovery software

Leverage the power of ML to boost collections performance

Analyze borrower behavior to predict payment probability and risk of default for enabling tailored proactive actions. Prioritize collection accounts based on likelihood of repayment to speed-up collections and optimize resource allocation. Use data-driven insights to identify the best suited contact and collections strategy, personalize communications and maximize the outcomes. Enhance outreach effectiveness by optimizing timing, content, language, channels, and intensity. Use bounce prediction and recovery scores to optimize collections efforts.

Manage end-to-end retail collections and debt resolution processes

Leverage ML insights for contact and collect strategies
Adopt AI for future-ready processes
Enable superior compliance and security framework
Optimize key performance metrics with data analytics
Implement digital-first approach for collections
Boost operational efficiency with technology

Accelerate debt recoveries through data, digital and dignity with Credgenics.

80% Recovery across delinquent accounts
5X Return on Investment
20% Increase in resolution rates
60% Increase in legal efficiencies 
40% Reduction in collections cost
30% Reduction in time to collect

Built for lenders, big or small.

Bank
Bank
Digital Lending Company
Digital Lending Company
NBFC
NBFC &
HFC
Credit Card Company
ARC
Micro Finance Company
Micro-Finance Company
Read what our customers have to say

 “One of our key transformation agendas is to build and engage a diverse set of customer segments and gain efficiency in collections with sustainable solutions. The objective is to deliver a seamless CX at every stage including repayments, which Credgenics will facilitate. I am confident that this association will be a win-win for both the partners”.

Raul Rebello
CEO & MD,
Mahindra Finance

"We are glad to have partnered with Credgenics. The turnaround time on collections and legal processes like sending notices and tracking them has come down significantly.The platform works seamlessly and the customer support has been prompt for all training and onboarding."



Arindam Das
CEO, DMI Finance

“With changing times, there is a perceptible change in customer behaviour and expectations. With the help of Credgenics we will deploy potent capabilities in providing customer self-service solutions and phygital /assisted solutions; further reducing our costs and strengthening our overall collection efficacy”.


Ramesh Iyer
Vice Chairman & Managing Director

“Our lending model relies heavily on using specialized algorithms to identify, assess and serve our customers across rural India. Credgenics’ CG Collect platform is expected to complement our capabilities in implementing robust digital processes across the collections business value chain”.


Sameer Mishra
Co-Founder & ED, Sarvagram

“I would like to extend my thanks to the Credgenics team for their utmost efforts to set up the process of Litigal. Now, a new era has begun which is called ‘LITIGAL’, a unique form of Legal + Digital. We adopted it at a very fast pace through Credgenics and implemented the way of legal in Digital.This will definitely set up a new precedent in IIFL Finance while we move forward with a 100% digital hybrid model.”

Sandeep K Rajput
Head Legal Recoveries, IIFL Finance

We at ePayLater are committed to empowering our SME customers with seamless and technology-first credit solutions. Credgenics has helped us extend this approach to debt collections with their data powered and digital enabled model. We are aligned with their focus on innovation, which has added a digital edge to our collection operations while enhancing transparency and improving recovery rates. We look forward to continuing our journey with Credgenics.

Dayanand Rane
Senior Manager, Collections
ePayLater

At Liquiloans, our priority is to facilitate seamless access to finance. As our reliable collections technology partner, Credgenics has supported us in enhancing the customer experience. The platform effortlessly digitizes customer outreach across channels, streamlines legal communications, and enhances field resources tracking, while optimizing the cost of operations. The team’s dedication to ensure timely, compliant, and effective collections has made Credgenics an indispensable partner.


Amit Kothari
Head of Collections,
Liquiloans

Credgenics Collections platform is very intuitive and easy to set up. The turnaround for overall platform creation & runtime is commendable. Their SaaS platform helps track detailed loan activity across touchpoints, assisting us in managing outstanding debts more seamlessly. The support team is highly approachable and goes above and beyond to meet business needs. We will definitely recommend Credgenics to businesses looking to enhance their debt management strategies.


Rajesh Rajan,
Head of Collections,
FiMoney

"Finnable has partnered with Credgenics to strengthen the debt management capabilities. The comprehensive one stop platform and the in-depth modules have been a key differentiator in driving and supporting robust collections operations. Credgenics’ functional expertise helps in catering to the requirements swiftly and enhancing the borrower experience as a whole, to support our business priorities."



‍‍

Sajan Hegde
Chief Collections & Fraud Control Officer, Finnable

"Reliance Asset Reconstruction Company is at the forefront of the transformation agenda that is being embraced by the industry. Leveraging Credgenics’ digitization and data-oriented capabilities has been instrumental in taking our debt recovery performance to the next level. The seamless digital edge, integrated approach, and comprehensive insights from data analytics have strengthened our legal communication process, expedited resolutions, and optimized overall processes. Partnering with Credgenics has been a great value addition in our aim to establish future-ready debt resolution capabilities.”

Mehul Gandhi
CEO, Reliance Asset Reconstruction Company Limited

"The innovative agenda of Credgenics' debt collections platform aligns with Mintifi’s vision to transform the purchase financing experience up to the last mile. By adopting Credgenics’ digital-first collections strategy and leveraging insights from ML-based analytics, Mintifi has seen improvements in engagement with its customers. Credgenics has helped Mintifi automate the Collection communication to enhance the recovery rates. The field collections app has streamlined the operational visibility of field operations and increased the team’s efficiency. Credgenics' team has provided excellent support throughout, which has helped us in the rapid adoption of the platform. We are glad to be working with Credgenics, as it adds a lot of value to our business."

Hemant Bora
AVP New Initiatives, Mintifi

Working with Credgenics has been an amazing experience.We have had a complete visibility of collections activities on the portfolio. Billzy has enabled us to manage the collections digital payments more seamlessly. Credgenics digital communications capability has helped us integrate and digitize our borrower outreach across multiple channels bringing in higher efficiency, enhanced visibility and better customer experience. The support at Credgenics has been very good with regular engagements and swift resolutions. We are delighted with the overall experience with Credgenics and looking forward to more innovations coming our way.

Anil Gelra
Co-founder, Snapmint

" Being a part of the digital lending industry, Indifi’s crucial need for a seamless loan collection process has been supported by Credgenics, through its innovative tech stack. Using Credgenics’ tech platform we have seen significant improvements in various processes such as caller productivity tracking by emphasizing on timely calls to customers, tracking customer behavioral patterns through previous feedback trails, monitoring field team movement through documented photographs of customer visits via the CG app, digitizing and ramping up our legal processes as well as enabling the supervisors to access desired reports in just a matter of few clicks. Helping us effectively manage the collections process, Credgenics is surely a reliable partner."

Sachin Hans
Head of Collections- Indifi

"Credgenics has helped us digitize and optimize our loan collections journey. It acts as a single point for managing and tracking recoveries from post-due customers, with deep insights on call efficiency and efficacy. We have improved our collections tremendously with the help of Credgenics' platform. It provides transparency in calling operations, adds visibility in borrower response to communications, and enhances the customer experience. The addition of digital notices has improved our team's productivity and reduced the cost of collections. Our requirement for a robust, future-ready, and easy-to-use collections platform has been adequately addressed by Credgenics."

K M Cariappa
Head Backend Operations - Davinta Financial Services Pvt Ltd

“Credgenics platform offers very strong value proposition to high volume lenders like us via its strong automation and data analytics capabilities which digitises the entire collections workflow and removes manual interaction wherever possible.The team has done a great job in such a short span of time.”



Vikas Kumar
Co-founder, LoanTap

"Credgenics has really helped us make our collection process a lot more efficient. Since partnering with them, we have had full visibility on the loan collection process and with them, we don't have to ever worry about non-compliance from their end which gives us a peace of mind. Credgenics has also provided us with insights into the collection process which has helped us select the right kind of borrowers, thus, helping improve our overall NPA and underwriting process. We were able to increase our collection by 15% after getting on board with Credgenics in our DPD 90+ Bucket."

Aarav Bhatia
Co-Founder, Pocketly

"Our partnership with Credgenics has been a delightful experience. Their robust collections technology platform has helped us automate and streamline our operations while providing a clear visibility to the processes across the portfolio. Our field agents have experienced an increase in recovery rates and our operational efficiency has gone up. We are happy with the overall experience and looking forward to exploring more with the innovative platform."

Prerna Bhasin
Vice President & Head of Collections, Arthmate
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