₹10k Cr+
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Solutions For
- Products
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Insights
✨ Client's Testimonial"For the past 3 years, Credility’s Sales Mobility App (goFTR) has been reliable, user-friendly, and effective. It has streamlined our processes, and both the senior management and the team at Credility have always extended prompt and professional support."
Ajinkya ShindeDVP – IT - Business & Digital Solutions
- Company
Risk
Profiling
Profiling
Payment Prediction
Our Numbers Say About Us
Amount Collected
Product Users
35k+
Collection Efficiency
60%
Cost Per Collection
35%
FEATURES
Risk Profiling
FEATURES
Payment Prediction
AI Powered
Lending Tech Mobile Apps
Lending Tech Mobile Apps
Clients Who Trust Us
Building relationships, delivering excellence
Frequently Asked Questions
We have put together some commonly asked questions
How is a borrower's risk score calculated?
Using weighted parameters — repayment history, bureau data, delinquency trends, and behavior signals. Borrowers are segmented into risk bands (Low/Medium/High/Critical) that drive strategy and priority.
Do risk scores update automatically?
Yes. Scores refresh automatically as new data comes in, and borrowers move between risk bands without manual intervention.
What triggers an Early Warning Signal (EWS) alert?
Configurable triggers like missed payments, bureau score drops, or portfolio stress indicators — alerts fire in real time.
Can EWS alert routing be customized?
Yes. Routing rules can be set by severity, segment, or branch, with auto-escalation if unactioned within a set time.
What data powers Payment Prediction?
Historical repayment patterns, behavior signals, seasonal trends, and past collection outcomes — the model refines itself as new outcomes come in.
How does Payment Prediction help field planning?
High-likelihood cases are deprioritized for visits; low-likelihood cases are flagged for field/tele action, with geo-optimized routing to cut wasted visits.
How does Collection Strategy pick the right channel?
It auto-maps borrowers to a channel cascade based on risk profile and prediction score — low-cost digital channels first, field visits only if unresolved.
Can the four modules be used independently?
Yes, each works standalone. Used together, they form one pipeline — profile, predict, alert, and act — for maximum recovery.
How are Collection Efficiency and Cost Per Collection calculated?
Efficiency = amount recovered ÷ amount due. Cost Per Collection = total collection cost ÷ successful recoveries.
Does goCollect AI integrate with existing systems?
Yes — payment gateways (Razorpay, CC Avenue, BillDesk, Cashfree, Paynimo) and communication platforms (Gupshup, Infobip, Kaleyra), with no disruption to existing infrastructure.
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✨ Client's Testimonial
"For the past 3 years, Credility’s Sales Mobility App (goFTR) has been reliable, user-friendly, and effective. It has streamlined our processes, and both the senior management and the team at Credility have always extended prompt and professional support."
Ajinkya Shinde
DVP – IT - Business & Digital Solutions
✨ Client's Testimonial
"Credility's goCollect enhanced our collection operations through real-time tracking, accurate reconciliations, and a user-friendly interface helping our teams adapt faster and perform better."
Ronald Mathew Verghese
Chief Technology Officer
Optimize EMI recovery cost
Reduce recovery turnaround time (TAT)
Manage delinquent cases efficiently
Increase employee productivity and efficiency
