It started when our founders had a first-hand look at how lenders in developed economies used technology to streamline collections.

But we looked back to India, everything was done manually, or with the help of outdated software that just wasn't built to handle collections. NPA rates were soaring.

Loan management software were more focussed on underwriting, while debt recollected relied on aggressive agents, phone calls that never connected, and long legal battles.
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We had seen the impact improved collections could make—not just for lenders, but for the economy. We knew fixing loan recovery could transform lending.
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Somebody had to solve the problem. And we had the exact experience and skillset to do so. That's why we built Credgenics.
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Credgenics is the leading provider of Loan Collections and Debt Resolution technology platform to Banks, Non-banking finance companies, FinTechs, and ARCs worldwide. The AI-powered SaaS-based platform has been recognized as the #1 Best Selling Loan Collections Platform in India by IBS Intelligence in their Annual Sales League Table for three years consecutively. Credgenics caters to the end-to-end collection lifecycle for retail and SME/MSME debt and works with more than 150 customers. It handled more than 98 million retail loan accounts worth over USD 250 Billion in FY24 for collections and has sent over 1 billion omni-channel communications. With Credgenics, lenders have increased resolution rates by 20%, improved collections by 25%, reduced collections costs by 40%, reduced collections time by 30%, and improved legal process efficiencies by 60%.

‍Our values are the cornerstone of our culture, shaping the way we operate and interact. Credgenics, as an innovation oriented company, places a profound emphasis on its core values, which serve as the guiding principles shaping its corporate culture and business ethos. These values are the bedrock of our identity, reflecting our commitment to work diligently towards our mission and vision. These values embody the essence of Credgenics, defining who we are and driving our success. They are the compass that guides us through challenges and opportunities alike, fostering a culture of trust, growth, and customer satisfaction.

‍Win Together: Act with empathy, extend beyond mere words, and foster an inclusive environment where everyone feels a sense of belonging. Celebrate collective victories and uplift one another to contribute to a shared success story.

‍Lead with Purpose: Commit to inspiring oneself and others, fostering continuous growth. Set high standards through action and mentor the team toward excellence.

‍Customer First: Prioritize the customer experience in all aspects of our work. Empower customers by delivering scalable and innovative solutions that add distinctive value.

‍Entrepreneurial Mindset: Embrace an entrepreneurial mindset by planning and prioritizing tasks, focusing on both short-term and long-term impacts with a clear vision of end goals. Demonstrate proactive ownership and deliver innovative solutions.