Credgenics

Let’s welcome Nandita Mehta and Syed Mehdi to be an integral part of our growth at Credgenics. Looking forward to many milestones together.

𝗔 𝗵𝗲𝗮𝗹𝘁𝗵𝘆 𝗰𝗿𝗲𝗱𝗶𝘁 𝘀𝗰𝗼𝗿𝗲 𝗱𝗼𝗲𝘀 𝗺𝗼𝗿𝗲 𝘁𝗵𝗮𝗻 𝗶𝗺𝗽𝗿𝗼𝘃𝗲 𝗹𝗼𝗮𝗻 𝗲𝗹𝗶𝗴𝗶𝗯𝗶𝗹𝗶𝘁𝘆. 𝗜𝘁 𝗶𝗺𝗽𝗿𝗼𝘃𝗲𝘀 𝘁𝗵𝗲 𝗰𝗼𝘀𝘁 𝗼𝗳 𝗰𝗿𝗲𝗱𝗶𝘁.

In a recent Mint article, Anand Agrawal, Co-founder & CPTO, Credgenics, explains why credit scores are becoming central to how consumers access better financial opportunities.

A strong credit score is no longer just a qualifier for loan or credit card approval. It can directly influence interest rates, credit limits, repayment terms, card benefits, and the overall borrowing experience. For lenders, it remains a critical indicator of repayment discipline, risk profile, and long-term credit behaviour.

As credit adoption grows across India, the need for responsible credit behaviour becomes even more important. Timely repayments, low credit utilisation, regular credit report monitoring, balanced credit mix, and fewer hard enquiries can all help borrowers build stronger financial profiles.

As Anand highlights, “A credit score does far more than determine card eligibility — it directly impacts the interest rate and credit terms offered to consumers.”

Because the future of credit will not be shaped by access alone, but by how responsibly consumers build, manage, and sustain their creditworthiness.

📌 Read more - https://www.livemint.com/money/personal-finance/boost-your-borrowing-power-how-a-healthy-credit-score-improves-loan-eligibility-unlocks-credit-card-benefits-11779183263637.html

𝗖𝗼𝗹𝗹𝗲𝗰𝘁𝗶𝗼𝗻𝘀 𝗵𝗮𝘀 𝗮𝗻 𝗼𝘂𝘁𝗱𝗮𝘁𝗲𝗱 𝗶𝗺𝗮𝗴𝗲.

But the reality is very different today.

Modern collections is powered by technology, empathy, and customer-first engagement. It is no longer just about recovery—it is about helping customers regain financial control while enabling lenders to protect relationships and revenue.

With AI-led strategies, personalized communication, and digital self-service journeys, collections is evolving into a smarter, more human-centric function.

A smarter, more human future for collections is being shaped through this transformation by Credgenics

What is the biggest myth people still believe about collections? 👇

𝟯𝟬% 𝗼𝗳 𝗜𝗻𝗱𝗶𝗮𝗻𝘀 𝗳𝗮𝗰𝗲 𝗹𝗼𝗮𝗻 𝗼𝗿 𝗰𝗿𝗲𝗱𝗶𝘁 𝗰𝗮𝗿𝗱 𝗿𝗲𝗷𝗲𝗰𝘁𝗶𝗼𝗻 𝘄𝗶𝘁𝗵𝗼𝘂𝘁 𝗸𝗻𝗼𝘄𝗶𝗻𝗴 𝘄𝗵𝘆. 𝗧𝗵𝗲 𝗻𝗲𝘅𝘁 𝗽𝗿𝗶𝗼𝗿𝗶𝘁𝘆? 𝗖𝗿𝗲𝗱𝗶𝘁 𝗰𝗹𝗮𝗿𝗶𝘁𝘆 𝗮𝘁 𝘀𝗰𝗮𝗹𝗲.

In a recent Business Today article, Anand Agrawal, Co-founder & CPTO, Credgenics, highlights India’s emerging “credit paradox”, where digital lending is expanding rapidly, but many borrowers still face rejection without a clear explanation.

As credit products become more accessible through apps, BNPL platforms, and fintech-led journeys, the larger challenge is no longer access alone. It is awareness, interpretation, and guidance. The article notes that nearly 30% of Indians have faced loan or credit card rejection without understanding the reason, while 45% have either never checked their credit score or are unsure whether they have done so.

This gap can have real financial consequences. Borrowers may not know which repayment patterns, credit utilisation levels, account history, or enquiry behaviour are affecting their eligibility. For lenders and the broader financial ecosystem, this reinforces the need for more transparent, explainable, and borrower-centric credit journeys.

As Anand explains, “AI-powered credit advisory doesn't just give a three-digit score; it assesses the entire financial history and the story behind it.”

Because the future of lending will not be defined by faster approvals alone, it will be defined by how clearly borrowers understand the path to better credit access.

📌 Read more - https://www.businesstoday.in/personal-finance/banking/story/30-indians-face-loan-rejection-without-knowing-why-can-ai-solve-this-credit-awareness-gap-531823-2026-05-17

Credgenians came together with leadership to align on vision, sharpen priorities, and set the tone for the year ahead. The offsite served as a strategic platform to strengthen alignment across business priorities and reinforce a unified approach to customer growth, account management, and new business acquisition.

The sessions focused on leadership vision for FY27, key organizational priorities, immersive product discussions across, and strategic conversations on account engagement models The session further emphasized on the integrated account planning, pipeline governance, cross-sell acceleration, process harmonization, and ex*****on excellence — all anchored in one common objective: operating with greater precision, agility, and impact as one team.

What stood out was the collective commitment towards stronger collaboration, accelerated ex*****on and sharper account-level planning to create a seamless customer experience. As Credgenics steps into FY27, the focus remains clear — driving accountability, deepening collaboration, and executing with purpose.

Here’s to a focused and high-impact FY27 ahead!

𝗔 𝘀𝗲𝘁𝘁𝗹𝗲𝗱 𝗹𝗼𝗮𝗻 𝗺𝗮𝘆 𝗰𝗹𝗼𝘀𝗲 𝗮𝗻 𝗮𝗰𝗰𝗼𝘂𝗻𝘁. 𝗕𝘂𝘁 𝗶𝘁 𝗰𝗮𝗻 𝗸𝗲𝗲𝗽 𝗳𝘂𝘁𝘂𝗿𝗲 𝗰𝗿𝗲𝗱𝗶𝘁 𝗱𝗼𝗼𝗿𝘀 𝗵𝗮𝗹𝗳-𝗼𝗽𝗲𝗻.

In a recent Mint article, Rishabh Goel, Co-Founder & CEO, Credgenics, explains why borrowers must understand the critical difference between a “settled” loan and a “closed” loan.

A closed loan reflects full repayment as agreed. A settled loan, however, signals that only a negotiated portion of the outstanding amount was paid after missed payments or default. While settlement may offer immediate relief, it can continue to impact creditworthiness, future loan approvals, credit card applications, and even the interest rates offered by lenders.

In today’s credit-driven financial ecosystem, every account status matters. Credit access is not shaped by repayment alone, but by how accurately repayment behaviour is reported, understood, and acted upon. For lenders, this reinforces the need for transparent borrower communication, responsible collections, and clear resolution journeys that help customers make informed financial decisions.

As Rishabh highlights, “Many borrowers assume a ‘settled’ loan and a ‘closed’ loan mean the same thing, but credit bureaus treat them very differently.”

📌 Read more - https://www.livemint.com/money/personal-finance/how-a-settled-loan-tag-on-your-credit-report-can-reduce-creditworthiness-and-affect-future-loan-approvals-11778782568664.html

Let’s welcome Himashu Gupta and Satya Prakash to be an integral part of our growth at Credgenics. Looking forward to many milestones together.

𝗖𝗿𝗲𝗱𝗴𝗲𝗻𝗶𝗰𝘀 𝘄𝗮𝘀 𝗮𝘁 𝘁𝗵𝗲 𝟯𝗿𝗱 𝗘𝗱𝗶𝘁𝗶𝗼𝗻 𝗕𝗵𝗮𝗿𝗮𝘁 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗦𝘂𝗺𝗺𝗶𝘁 & 𝗔𝘄𝗮𝗿𝗱𝘀 𝟮𝟬𝟮𝟲

The Credgenics team engaged with senior leaders, insurers, insurtech innovators, regulators, and technology experts from across the insurance ecosystem.

Credgenics showcased CredInsure, its AI-powered insurance renewal and persistency management platform built to automate end-to-end renewal journeys for insurers. From predictive renewal intelligence and omnichannel engagement to GenAI voicebots, personalized communications, digital payments, workflow automation, and real-time dashboards, CredInsure is enabling insurers to drive higher engagement, improve renewal outcomes, strengthen persistency, and simplify operations at scale.

It was a great opportunity for the team to connect with industry leaders and discuss how AI, automation, and data-led decision-making are shaping the next phase of insurance renewals, customer engagement, and persistency management.

📌 To know more, visit https://www.thebrainalytics.com/event/3rd-edition-bharat-insurance-summit-awards-2026/

𝗙𝗶𝗻𝘁𝗲𝗰𝗵 𝗶𝘀 𝗻𝗼𝘄 𝗰𝗼𝗿𝗲 𝘁𝗼 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝘀𝗲𝗿𝘃𝗶𝗰𝗲𝘀. 𝗧𝗵𝗲 𝗻𝗲𝘅𝘁 𝗯𝗲𝗻𝗰𝗵𝗺𝗮𝗿𝗸? 𝗧𝗿𝘂𝘀𝘁 𝗮𝘁 𝘀𝗰𝗮𝗹𝗲.

In a recent Elets BFSI article, Anand Agrawal, Co-founder & CPTO, Credgenics, explains why fintech innovation must now be measured not just by speed, reach, or automation but by the trust it creates across the financial ecosystem.

India's fintech sector has transformed how credit is accessed, evaluated, and delivered. AI-led models, digital workflows, and data-driven decisioning have expanded possibilities for lenders and borrowers alike. But as digital financial services scale, the responsibility to build transparent, secure, and accountable systems becomes even more critical. Automated decisions must be explainable. Data practices must be responsible. Customer experiences must be built on clarity, fairness and confidence.

As Anand highlights, "In financial services, trust is the product." Because the future of fintech will not be defined by scale alone, it will be defined by how responsibly that scale is achieved.

📌 Read more - https://bfsi.eletsonline.com/building-trust-at-scale-the-real-benchmark-for-fintech-innovation/

𝗖𝗿𝗲𝗱𝗴𝗲𝗻𝗶𝗰𝘀 𝗶𝘀 𝗲𝘅𝗰𝗶𝘁𝗲𝗱 𝘁𝗼 𝗽𝗮𝗿𝘁𝗶𝗰𝗶𝗽𝗮𝘁𝗲 𝗶𝗻 𝘁𝗵𝗲 𝟯𝗿𝗱 𝗘𝗱𝗶𝘁𝗶𝗼𝗻 𝗕𝗵𝗮𝗿𝗮𝘁 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗦𝘂𝗺𝗺𝗶𝘁 & 𝗔𝘄𝗮𝗿𝗱𝘀

Join us as Abhishek Sharma, Senior Director at Credgenics, takes the stage for an insightful keynote session on “Unlocking Insurance Growth with AI for New Business and Persistency”.

As AI continues to reshape the insurance landscape, this session will explore how insurers can leverage intelligent technologies to accelerate new business growth, strengthen policy persistency, enhance customer engagement, and drive operational excellence.

From predictive analytics to generative AI, discover how technology is transforming customer experience, renewal journeys, persistency management, and growth strategies across the insurance ecosystem.

📌 To know more, visit https://www.thebrainalytics.com/event/3rd-edition-bharat-insurance-summit-awards-2026/