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AI debt collections and loan recovery platform for lenders
Updated
Credgenics is a SaaS platform that streamlines debt collections and loan recovery for banks, NBFCs, fintechs and ARCs. It uses machine learning for risk segmentation, behavior analysis and payment-intent prediction.
Credgenics scores accounts for risk and payment intent, then allocates them to digital, calling, field or legal channels with built-in policy controls and audit trails. Borrowers can be reached through WhatsApp, SMS, email, IVR and voice AI, and agents work from the dialer or the field app.
Credgenics serves banks, NBFCs, fintechs and ARCs. The vendor says it serves 150+ lenders, manages 100+ million retail loan accounts and names customers such as Axis Bank, HDFC Bank, ICICI Bank and Kotak Mahindra. It is ISO 27001 certified.
Credgenics does not publish pricing. Access requires booking a demo with the vendor, and cost depends on modules and portfolio size.
Alternatives that overlap on finance workflows include Bill and Tipalti for payables automation and Artivatic for insurance and lending AI, though neither is a dedicated collections platform.
Pricing Model
QUOTE BASED
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Compliance Standards
SOC 2 Type II
EnterpriseISO 27001
EnterpriseGDPR Compliant
GlobalHIPAA
HealthcarePCI DSS
FinanceCCPA
PrivacyFedRAMP
GovernmentCSA STAR
CloudDeployment & Data
Data Residency Options
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Excel-native FP&A with an AI assistant on a governed finance data layer
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