Credgenics

Credgenics is a leading fintech company specializing in loan collections and debt resolution technology for banks, non-banking financial companies (NBFCs), fintechs and asset reconstruction companies (ARCs) worldwide. The company with a growing presence in Southeast Asia. The company operates in the financial technology sector, serving major markets across India and expanding internationally.

Products & Services

• Automated loan collections platform

• Digital borrower communication tools

• Field collections mobile app

• Legal and litigation management

• AI-driven analytics and reporting

• Online dispute resolution

• Integrated payment solutions

Business Model & Revenue Streams

Credgenics operates a B2B SaaS and technology services model in the fintech and debt recovery sector:

• SaaS Subscription Fees: Recurring revenue from banks, NBFCs, fintechs, ARCs and collection agencies subscribing to the Credgenics platform for end-to-end collections management.

• Platform Usage Fees: Charges based on the volume of accounts managed, communications sent or transactions processed through the platform.

• Implementation & Integration Fees: One-time or project-based fees for onboarding, system integration and customization.

• Legal Automation & ODR Services: Revenue from digital legal management, litigation automation and online dispute resolution modules.

• Analytics & Reporting Services: Premium analytics, advanced reporting and data-driven insights offered as value-added services.

Customer Segmentation

• Banks: Private, public and cooperative banks needing digital loan collections and recovery solutions.

• NBFCs: Non-banking financial companies seeking to automate and optimize collections.

• Housing Finance Companies (HFCs): Organizations focused on home loans and mortgages.

• Microfinance Institutions (MFIs): Institutions serving rural and semi-urban borrowers with field and digital collections needs.

• Fintech Lenders: Digital and new-age lenders requiring AI-driven collections and borrower engagement.

• Asset Reconstruction Companies (ARCs): Firms managing stressed assets and NPAs.

• Collection Agencies & Legal Firms: Agencies and law firms specializing in debt recovery and legal processes

Growth Strategy

• Market Expansion: Scaling operations across India and Southeast Asia, targeting new BFSI clients and high-growth markets.

• Product Innovation: Continuous investment in AI, machine learning and legal automation to enhance platform capabilities and user experience.

• Strategic Partnerships: Collaborating with banks, fintechs, legal tech firms and industry bodies to expand reach and solution depth.

• Operational Excellence: Focus on customer success, compliance and data security to build long-term relationships and trust.

• Internationalization: Expanding into new geographies to tap global demand for digital debt recovery and legal automation solutions.