Debt recovery doesn't have to be complicated.

Simplify your loan resolution processes with an end-to-end platform that helps you increase your collection rate up to 15-20%. Make debt collections faster and better with Credgenics.

Debt Resolution PlatformCollection Platform
Collection Platform
recollection strategies
AI-driven strategies
Recovery Experts
Access to debt collection experts
Legal Dunning
Legal processes via notices
Resolution Time
Reduce resolution time by 20 days

Trusted debt collections software for over 75 financial institutions

Do you have a pile of bad debts that is always threatening to crash?

Your current debt collections systems are not integrated and inefficient.

Your agents are spending ages on low-value, complicated loan accounts instead of focussing on high-priority borrowers.

Your teams are sifting through excel sheets to find information—and still failing to achieve a good promise-to-pay rate.

You have no clue how your legal team is performing and when your next hearing date is.

Debt Recovery
Debt Recovery Services

If you want to scale your operations, you need a powerful, unified system to streamline your collections and reduce your NPLs.

Make collections simpler & faster

Achieve 15-20% higher resolution rates with Credgenics.

Automate communications

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

Make debt collection calls that get results

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

Make field visit debt collection efficient

Get your field agents to use Credgenics app and find locations easily using your Google Maps integrations.

Send & track legal notices effortlessly

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

Get the best legal experts on the case

Automate your legal workflow, get easy access to the recovery specialists and manage all your cases efficiently.

Track your performance

See which agent is delivering results, know the gaps in your collections process and track every metric that matters.

Bad Debt Recovery

Keep all borrower information at your fingertips.

Upload your entire portfolio to Credgenics via excel, SFTP or by integrating our API into your system.

View all borrower details, other loans the applicant has, missed EMIs and recovery history, collection status, etc. in one snapshot.

Never forget to follow-up on promises to pay ever again.

Call your allocated accounts from within the platform, schedule reminders for follow-ups and log each call.

Don't trouble borrowers with unnecessary follow-ups once they've processed the repayment. Mark accounts as paid automatically.

Make it personal.

Break down your borrowers by category and get a PTP.

Segment your borrowers based on priority, loan amount, DPD, recovery status, loan type and other filters.

Allocate loan accounts to the right agents automatically based on pre-set rules, and improve performance.

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.

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
Stay in the loop.

Track your cases, get reminders and make litigation and mediation less chaotic.

Track Section 138, Arbitration and SARFAESI cases in real time, know which stage each case is in and get reminders for your hearing dates.

Recovery PlatformDebt Recovery Services

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.

Monitor all borrower activity and make debt-collection customer-friendly.

See a timeline of all borrower communication, payments, tasks and responses in one screen. Customize your collection strategies, increase your resolution rates and give your customers a stress-free experience.


Get the best dispute resolution professionals on your side.

Make debt collections faster with a marketplace of 2200+ financial dispute resolution professionals including lawyers, mediators and arbitrators.

Give your partners all the borrower information they need to personalise their pitch and get results.

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Recovery Platform
Skip Tracing

Don't let debtors pull a no-show on you. Locate borrowers with tech driven skip-tracing.

Track borrowers who have relocated and help them pay off their dues before their CIBIL score is affected.

Find debtors using social media, alternate email IDs and phone numbers with our skip-tracing functionality.

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No other solution can fix the gaps in your debt resolution workflows.

Spreadsheets and manual work

Are inefficient, error-prone and cost you productivity.

Recollection agencies

Are expensive and hurts the customer experience.

Other software

Only solve one part of your process and don't get all stakeholders on the same page.

Are you sure you want to stick with your current systems when a better, advanced alternative exists?

Zero visibility
Huge admin overhead
Low-resolution rates
Long recovery cycles
Hours of manual work
Lost customers

Put communication breakdowns behind you. Pick up the pace on debt recovery with Credgenics.

Increase resolutions by 15-20%
Cut 20 days from your resolution cycles
Grow your debt collection amount by 10%
Spend 9% less on collections
Scale your operations, without doubling costs
Get a 5x return on investment, guaranteed

Built for lenders, big or small.

Micro Finance Company
Micro-Finance Company
Digital Lending Company
Digital Lending Company
Credit Card Company
Credit Card Company
We don't just make promises. We've got proof.

"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

“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 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

 “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
Chief Operating Officer, Mahindra 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

“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 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

"It is widely acknowledged that debt recovery is a pain point for lenders across the industry and our issues were no different. To solve the same we got a helping hand from Credgenics platform and the client relationship maintained thereafter has been of immense help. It is important to recognise the personalisation that their Customer Service team provides, where with a dedicated Manager it is easier for us to get solutions to our specific problems."

Koustubh Bhagwat
SMEcorner, Vertical head

“Delivering disruptive products by combining innovation and setting a new benchmark in customer-centricity is a key differentiator for IIFLFinance. We take great pride in being the trendsetter when it comes to making our solutions and processes future oriented. We partnered with Credgenics as we believe that their platform will bring in tremendous business agility, dynamism, and efficiencies across our collections value chain.”

Sanjeev Srivastava
Chief Risk Officer, IIFL Finance
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