Credgenics AI Debt Collections Platform

Credgenics is a SaaS company headquartered in Noida, India, that builds debt collection and resolution software for banks, NBFCs, housing finance companies, microfinance institutions, fintechs, asset reconstruction companies and collection agencies. It also runs a consumer service office in Jakarta to serve lenders in Indonesia.

The platform segments delinquent accounts with AI and ML models and orchestrates outreach across SMS, WhatsApp, email, IVR, a predictive dialer and the Swara GenAI voicebot. Field teams use the CG Collect mobile app, borrowers repay through Billzy payment links and mandates, and the legal module manages notices, arbitration and online dispute resolution. Customers named on the site include Axis Bank, HDFC Bank, ICICI Bank, IIFL Finance, Mahindra Finance, Tata Capital and, in Indonesia, Investree and BPR Kredit Mandiri.

• Collections analytics: Segments delinquent accounts by risk and prioritises contact channels.
• Omnichannel outreach: Sends SMS, WhatsApp, email and IVR reminders in local languages.
• Swara GenAI voicebot: Handles automated repayment calls and promises to pay.
• CG Collect field app: Guides field agents with routing, tracking and receipts.
• Billzy repayments: Lets borrowers pay via links, mandates and multiple payment modes.
• Legal and ODR: Manages notices, litigation, arbitration and online dispute resolution.

A Vietnamese consumer finance company can automate reminders and voicebot calls for early-bucket loans before assigning field agents. A bank can track field collectors and legal cases for secured loans in one dashboard. A debt purchasing company can digitise outreach and repayments on acquired portfolios.

Credgenics reports up to 80% recovery across delinquent accounts, 40% lower collections cost and 30% faster time to collect for its clients. One Indonesian multi-finance case study on its site cites a 25% boost in agent productivity and a 20% reduction in communication costs. Lenders manage digital, field and legal recovery in one system instead of separate vendors.

Rapid growth of unsecured digital lending in South and Southeast Asia has increased early delinquency volumes, while regulators tighten rules on how collectors may contact borrowers. Lenders are shifting from large call centres and outsourced agencies toward data-driven, auditable digital collections with AI voice agents.

Headquartered in Noida with a registered office in New Delhi and a consumer service office in Jakarta; AFPI member in Indonesia. Raised a 25 million USD Series A (2021) and a 50 million USD Series B (2023); investors include Westbridge Capital, Accel and Tanglin. Reported FY2024-25 revenue of INR 220 crore. Ranked first in the IBS Intelligence India Sales League Table for collections. ISO 27001 certified.