What we run across the credit lifecycle, stage by stage
Rinncrest runs five stages of the credit lifecycle for NBFCs and banks: borrower acquisition, digital loan origination, loan servicing, portfolio monitoring, and collections and recovery. Start with any stage, or the whole cycle.
Borrower acquisition: distribution through Rinn
Rinncrest brings eligible borrowers to a partner lender through Rinn, its personal-loan app, with the lender named on the offer, its Key Fact Statement as the price and its credit policy deciding. We distribute through a regulated app; we do not sell leads.
What Rinn is today
Rinn is Rinncrest's personal-loan app for Android. Rinn appears in the Reserve Bank of India's public directory of Digital Lending Apps.
How Rinn presents a lender to a borrower:
- The lender is named before the borrower accepts, and on every product page.
- The Key Fact Statement leads. Rate, APR, charges and total cost are in the lender's KFS before the borrower signs. Rinn never quotes a fee figure of its own.
- No upfront fee is ever collected before disbursal, and Rinncrest does not charge borrowers.
- Repayment goes only to the lender, through the app or an e-mandate into accounts in the lender's name.
- Minimal permissions. Rinn asks only for the permissions a step needs, only when that step needs them, and uses them only for that purpose.
As more lending partners join Rinn, offers will be shown neutrally, as RBI's Digital Lending Directions require.
Digital loan origination: KYC, underwriting support and documentation
We run digital loan origination for partner lenders: onboarding, KYC and verification through regulated providers, consent and documentation, with the credit decision always returned as yours. Underwriting support that runs your rules is being built.
What we do
Digital onboarding and application journey. A structured application flow on Rinn, configured to your product parameters and eligibility rules, with each data field mapped to the purpose it serves. Borrowers see the lender's name, the purpose of each request and what happens next.
KYC and verification workflows. Central KYC Records Registry (CKYC) search and download, DigiLocker-based Aadhaar and PAN retrieval with the borrower's approval, PAN verification, selfie and liveness checks, and bank-account verification, performed through regulated providers and orchestrated to your KYC policy and RBI's KYC Directions. Only a masked Aadhaar number is kept on the customer record, never the full number.
Credit-bureau enquiry with explicit consent. A bureau pull happens only after the applicant's separate, explicit consent, and the raw report is handled under the retention rule agreed with you.
Underwriting infrastructure and decisioning support. A rules and scorecard layer that encodes your credit policy, orchestrates the data it needs (bureau, verification results, bank-statement or income signals you approve) and returns the outcome your policy produces. It runs your rules — including your own scorecards — and does not substitute its own judgement.
Fraud controls. Device, identity and application-level checks — duplicate and velocity checks, identity mismatches, document anomalies — flagged to your policy for refer, decline or manual review.
Risk-management infrastructure. Monitoring of approval rates, early delinquency and policy-rule performance so your risk team can see drift early.
Disbursal and loan servicing
You disburse; we run loan servicing from there to closure, under your policies. That covers communication, statements and service requests, repayment rails into your accounts, and the contact centre, with reconciliation being built. Servicing decides how a loan performs and how a borrower remembers the lender.
What we do
Customer communication. In-app notifications, SMS, email and WhatsApp messages on templates you approve, sent only where the borrower has consented to that channel, and logged with time, content and delivery status. Messages follow the commercial-communication rules that apply to each channel and your own conduct policy.
Loan servicing. Repayment schedules and statements, service requests (address or contact updates, mandate changes, payment queries), and closure and NOC workflows — each tracked from request to resolution against the turnaround you set.
Payments. Repayment collection rails into accounts in the lender's name: e-mandate set-up and presentation, and UPI payments through the app Pending confirmation: mandate types. Rinncrest does not hold, pool or route borrower funds through its own accounts. Borrowers are told, repeatedly and plainly, never to pay an individual, a personal UPI ID or in cash.
Reconciliation. Matching of mandate presentations, payments received and your ledger, with exceptions surfaced daily for your finance team rather than discovered at month-end. Until reconciliation is live, we provide repayment and mandate data in agreed formats for your own reconciliation.
Contact-centre operations. Inbound borrower support and outbound servicing — welcome calls, pre-due reminders, mandate failure follow-up and closure confirmation — on scripts you approve, with calls recorded after notice to the caller. Supported languages and seat capacity are confirmed in the agreement.
Portfolio monitoring, MIS and credit analytics
We give partner lenders one version of the book, from sanction to closure: daily and monthly MIS today, with portfolio dashboards and deeper credit analytics being built. Every figure comes in the formats your credit committee, finance team and auditors already use.
What we do
MIS and reporting. Lender-ready daily and monthly MIS covering the activities we run: applications and approvals by stage, disbursals, repayment and mandate performance, delinquency buckets, collections activity and outcomes, service requests, and grievances with ageing. Formats, definitions and cut-offs are agreed with you during onboarding and written into the reporting schedule, and every figure ties back to account-level records.
Portfolio management dashboards. A live view of the book for your credit, risk and operations teams — exposure, bucket movement and collections progress — with drill-down to cohort and account level.
Analytics. The analyses a credit committee relies on:
| Analysis | What it shows |
|---|---|
| Cohort and vintage | How each month's disbursals perform over time, so policy changes can be judged on outcomes |
| Roll rates | How accounts move between delinquency buckets, and where cures and slippages concentrate |
| Collections efficiency | What is collected against what is due, by bucket, channel and strategy |
| Policy-rule performance | Which credit rules are approving or declining the profiles they were meant to |
Collections and recovery
Debt collection is a service Rinncrest provides to its lending partners. It is live today and can be engaged on its own for an existing book. Rinncrest is not a debt collection agency, but we provide debt collection services for our lending partners, end to end and with our own people: collections as a service for NBFCs and banks. We run collections early, respectfully and on the record, because that is also how accounts get resolved. Resolution for you. Dignity for your borrowers. Evidence for your auditors.
What does collections as a service include?
Every channel, in the right order, from pre-due to resolution. Digital and voice first, people where they are needed, and legal process only on your decision. Every channel works from the same account history, so no borrower has to start the story again.
Omnichannel reminders (AI voice bot, IVR, WhatsApp and SMS). The AI voice bot and IVR handle pre-due reminders and routine early-bucket conversations at scale, and hand over to a person when a conversation needs one. WhatsApp and SMS carry consented, templated messages and payment links that settle only into the lender's accounts. Promises to pay are tracked.
Contact centre. Trained callers take the conversations that need a person: understanding the borrower's situation, agreeing a way to pay that your policy allows, and logging the outcome.
Field collections across India. Visits by identified, authorised field staff carrying the lender's authorisation letter and identity card, at reasonable hours and with every visit logged, for verification, borrower contact where calls fail, and resolution discussions. Field capability draws on operating capabilities across India available to Rinncrest through its operating network; field-force size is shared in diligence.
Recovery workflows. Late-stage account management, settlement support within the lender's delegated authority, and legal-process coordination: preparing case files and notices for the lender's empanelled counsel, tracking arbitration, conciliation and Lok Adalat referrals, and keeping the lender's records current. Legal action is always the lender's decision, taken through the lender's own advocates.
Reporting by delinquency bucket. Daily and monthly MIS show collections activity and outcomes by bucket, tied to account-level records. Deeper collections-efficiency analytics are Being built; see Portfolio monitoring.
How we treat borrowers
Borrower dignity in every interaction is one of Rinncrest's founding values. It applies to an account ninety days past due exactly as it applies at onboarding.
- Early and helpful first. Most delinquency is a cash-flow problem, not a refusal. Early conversations focus on the borrower's situation and a way to pay that the lender's policy allows.
- The borrower knows who will contact them. Before anyone contacts a borrower about recovery, the lender tells the borrower who will be in touch, as RBI expects. Every caller and field visitor can identify themselves and show the lender's authorisation.
- Calls only between 8:00 a.m. and 7:00 p.m., as RBI's guidance on recovery conduct requires, unless the borrower has asked to be called at another time.
- No harassment, ever. No threats, abusive or intimidating language, public humiliation, contact with the borrower's family, friends, employer or references for the purpose of pressure, misrepresentation of consequences, or repeated calls intended to distress.
- Recorded and reviewed. Collection calls are recorded after notice, sampled for quality and conduct, and available to the lender for audit.
- Trained people. Calling and field staff are trained on the lender's Fair Practices Code, RBI's recovery-agent norms and data protection before working on an account.
- Sensitive situations handled with care. Bereavement, serious illness, job loss and natural calamity are flagged for a different conversation and escalated to the lender for a policy decision.
Our full public conduct standard is on Recovery and collection practices.
Frequently asked questions
Can we start with one stage instead of the whole credit lifecycle?
Yes. You can start with one stage, or connect the whole cycle. Collections, for example, can be engaged on its own for an existing book.
Is Rinncrest a debt collection agency?
No. Rinncrest is not a debt collection agency, but we provide debt collection services for our lending partners. We run them end to end, with our own people, under your policies and your authority.
Who makes the credit decision?
You do. We run onboarding, KYC and documentation, and your credit policy and scorecards decide the outcome. The lender is named to the borrower before they accept.
Who decides on a settlement or legal action?
The lender. We work within the settlement authority you delegate in writing, and legal proceedings are started only by you, through your counsel.
Do you access a borrower's contacts or contact their family and friends?
No. Rinn does not access contacts, SMS or call logs at any stage, and we do not contact family, friends, employers or references to pressure or locate a borrower. Skip tracing uses only consented or lawfully available information about the borrower.
Do you guarantee recovery rates?
No. We report recovery and resolution performance transparently against agreed measures, alongside conduct and complaint data.
Do borrowers repay to Rinncrest?
No. Repayments go only to accounts in the lender's name, through the app or an e-mandate. Rinncrest does not hold, pool or route borrower funds through its own accounts.
Do we have to replace our LOS or LMS?
No. We integrate with your existing systems, and your loan ledger remains the system of record.