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But we looked back to India, everything was done manually, or with the help of outdated software that just wasn't built to handle collections.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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Since then, we’ve enabled 100+ Banks,NBFCs, FinTechs, and ARCs to increase resolution rates by 20%, improve collections by 25%, reduce collections cost by 40% and collections time by 30%, and improve legal efficiencies by 60%. Credgenics handles USD 47bn+ value of retail loan book and USD 6bn+ delinquent stage retail loan book value. It manages 40mn+ retail loans and sends over 60mn+ digital communications every month.

‍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.