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Credgenics
Credgenics is a SaaS-based platform founded in 2018 in Noida, India.
Credgenics
Credgenics is a SaaS-based platform founded in 2018 in Noida, India. The company provides debt collections and resolution services to banks, NBFCs, fintech firms, and ARCs. Its products include AI-powered analytics, machine learning strategies, and a platform for managing digital communications, field activities, and legal proceedings.
General information
Firm type
Asset Manager
Year founded
—
AUM
Undisclosed
Location
Region
Asia
Country
India
City
Noida
Corporate office
LG Floor, Smartworks, World Trade Tower, Sector-16, Noida-201301, India
Additional offices
New Delhi, India · Mumbai, India · Hyderabad, India · Jakarta, Indonesia
Principals
Anand Agrawal
Co-Founder & CPTO
Sector focus
Frequently asked questions
How does Credgenics make money?
Credgenics generates revenue primarily through SaaS subscription fees for its collections platform and performance-based fees tied to recoveries. The firm does not take exposure to the underlying debt portfolios it services. This capital-light model places it outside the scope of a debt fund or balance-sheet investor, functioning instead as a technology vendor to lenders.
Who runs product and technology at Credgenics?
Anand Agrawal serves as Co-Founder and Chief Product & Technology Officer (CPTO), shaping the AI/ML roadmap and product architecture. While the full leadership team is not publicly detailed on available primary sources, Agrawal is the named principal representing the firm’s technical vision.
Does Credgenics handle debt collection outside of India?
Yes. Credgenics maintains an office in Jakarta, Indonesia, and supports collections in Bahasa and Vietnamese through its field-collections app. Its FY24 disclosures highlight international expansion as a strategic axis, with Indonesia representing its Southeast Asian anchor.
What types of lenders use Credgenics?
The platform serves over 150 institutions, including banks, non-banking financial companies, housing finance companies, microfinance institutions, fintech digital lenders, and asset reconstruction companies. It covers the full retail and SME debt lifecycle, from early-stage delinquency through legal recovery.
How does Credgenics use litigation technology in recovery?
Credgenics has an integrated litigation management system that automates pre-legal and legal notice workflows, tracks cases under Section 138, Arbitration, and SARFAESI, and monitors advocate performance by closure and recovery rates. The firm pairs this with an online dispute resolution module in partnership with Jupiter Council for Mediation and Arbitration.
What does Credgenics' 2025 expansion into insurance mean for its business?
The March 2025 launch of CredInsure extends the company’s AI stack into insurance renewals, premium collections, and cross-sell. It signals a push beyond pure debt recovery into adjacent financial-services workflows, using the same engagement and machine-learning infrastructure already built for lending clients.
Is Credgenics an investment firm that allocates to private credit or distressed debt?
No. Credgenics is a technology company, not a capital allocator. It does not manage a fund or deploy proprietary balance sheet into distressed credit; it provides the operational software and analytics that lenders use to conduct their own recoveries.
Profile maintained by Altss using OSINT (open-source intelligence), regulatory filings, licensed data partners, and verified direct submissions. Read the methodology. Last updated: . Continuous refresh with full update cycles at least every 30 days.
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