The whole credit lifecycle, run by one Lending Service Provider

Most lenders run the credit lifecycle through a chain of vendors, and nobody owns the borrower from first touch to final recovery.

A lead source, an origination system, KYC and bureau APIs, a loan management system, a messaging provider, a dialler, a collections firm, a reporting tool. Each one may be good at its job. The trouble is what happens between them.

Every hand-off is another contract, another due-diligence file and another copy of borrower data. Reconciliation breaks have no owner. The borrower hears a different voice at every stage. And when something goes wrong, the complaint carries your name, because outsourcing the work does not outsource the responsibility for it.

Rinncrest runs the stages of the credit lifecycle for NBFCs and banks as one accountable partner, under one written agreement.

Most providers cover one or two stages, or license software for several. Rinncrest runs the stages, from borrower acquisition to recovery, with its own technology and people. That is what we mean by lending as a service: not a software licence, but the work itself, done to your policy.

• Technology. Our platform runs the journeys, workflows, records and reporting at each stage.
• People. Our own contact-centre, operations and field teams do the work that needs a person.
• Integration. We connect to the LOS, LMS and ledger you already run. Your system of record stays yours.

Five stages, each with a clear line between the work we run and the decisions that stay with you. Start with one, or take the whole cycle.

Collections and recovery

Debt collection is a service Rinncrest provides to its lending partners, and it is live today. Rinncrest is not a debt collection agency, but we provide debt collection services for our lending partners: run by our own people, to your policy, under a written agreement you can audit. Resolution for you. Dignity for your borrowers. Evidence for your auditors.

Every channel works from the same account history, in the right order: the AI voice bot and IVR for reminders at scale, WhatsApp and SMS for consented messages and payment links that settle only into your accounts, the contact centre for conversations that need a person, and field teams across India where calls fail. Late-stage recovery, settlement support and legal-process coordination happen only within the authority you delegate.

Start with any stage, or the whole cycle. Add the stages around it when you want fewer hand-offs.

Your obligations do not move when the work does, so we build them into how each stage runs.

• Acquire. Your name is shown before the borrower accepts, your Key Fact Statement leads, and no fee is taken before disbursal.
• Originate. Separate, logged consents, KYC to your policy through regulated providers, and no access to contacts, SMS or call logs.
• Service. Messages only on consented channels, repayments only into your accounts, and complaints logged at every touchpoint.
• Monitor. Every reported figure ties back to account-level records, and your data is never pooled with another lender's.
• Collect. Calling hours enforced in the dialler, the borrower told before contact, approved scripts, recorded calls, and no pressure through family, friends or employers.

These controls are designed to support the obligations you already carry under the RBI (Digital Lending) Directions, 2025, RBI's directions on managing risks in outsourcing, RBI's recovery-agent norms, your Fair Practices Code, RBI's KYC Directions and the Digital Personal Data Protection Act, 2023. See how each one is built in: RBI-compliant lending services.

Because the people, the platform and the proof are already in place. Our team brings 30+ years of combined experience in credit operations and collections, our platform is certified to ISO 9001 and ISO/IEC 27001, and our collections service is already live for our first NBFC lending partner. We are building India's most trusted credit stack company, and every claim on this page can be checked.

• ISO 9001:2015 (Cert. No. IN/84728131/5962). Quality management for loan origination, lifecycle management, debt collection and credit analytics.
• ISO/IEC 27001:2022 (Cert. No. IN/96828132/6481). Information security for the same platform and services. Both issued by ICV Assessments; see Trust and security.
• Experienced hands. The people and operating network behind Rinncrest bring 30+ years of combined experience across credit operations, collections, contact-centre and field operations, and technology-enabled financial services. Meet the team on Leadership.
• Live today. Our first NBFC lending partner has authorised Rinncrest to run reminders, collections and recovery for loans arranged through Rinn, with our own people. See our lending partners.
• A live consumer channel. Rinn is live on Android and appears in the Reserve Bank of India's public directory of Digital Lending Apps, as reported by our first NBFC lending partner.
• India-resident data. Personal data is stored on servers in India.

Start with one stage, or the whole cycle. Prove it in a pilot. Scale when the results say so.

Who we work with

We work with NBFCs, banks and other regulated lenders that want one accountable partner across the lifecycle, without putting their name at risk. We are a good fit if you:

• want to grow a digital or retail book without multiplying vendor relationships;
• need collections, contact-centre or servicing capacity run to documented conduct standards;
• value a partner that says plainly what is live, what is being built and what is planned.

We are not the right partner for anyone seeking an LSP to make credit decisions, set prices or hold borrower funds. Those stay with the lender, always.

Engagement models

Each model is scoped in a written agreement, and you can move between them. What is live at each stage is set out on Capabilities.

Tell us about your book: the product, the ticket sizes, the stages of the lifecycle where you want help, and where collections stand today. A member of our partnerships team will reply to arrange a first conversation.

This form is for NBFCs, banks and other regulated lenders. If you are a borrower, please use Contact support. If you are an investor, please write to contact@rinncrest.in.