Credgenics

Credgenics

Swara is the generative AI voicebot inside Credgenics, a loan collections software company founded in 2018 and headquartered in Noida, India. It calls borrowers in 8+ languages using in-house LLM, speech-to-text and text-to-speech models, and can send payment or settlement links mid-call. Credgenics serves 150+ lenders and raised a $50M Series B in 2023.

Key Features

• In-house voice stack: Credgenics' own LLM, STT and TTS models drive human-like, intent-aware collection calls.
• Multilingual calls: Conversations in 8+ languages with real-time language switching during live calls.
• Intent and sentiment: Classifies borrower intent (payment, delay, refusal, escalation) and answering tone, and suggests the next best action.
• In-call payments: Sends payment links, settlement offers and reminders while the borrower is on the line.
• Platform integration: Works with the Credgenics dialer, workflows and payments, with instant handover to human agents or chatbots.

Use Cases

• Pre-due reminders: Friendly reminder calls and payment link nudges before an EMI is due.
• Post-due resolution: Capture reasons for delay and promises to pay, then route the account.
• Settlements and pre-legal: Present pre-approved settlement offers and explain the impact of non-payment before legal action.

Getting Started

Credgenics offers Swara to banks, NBFCs and fintechs through a demo request at https://www.credgenics.com