OUR SERVICES
Recovery Capabilities Built Around Portfolio Performance.
One Partner. Multiple Recovery Capabilities.
Annai Credit Services provides integrated recovery and collections capabilities across different loan categories, delinquency stages and portfolio requirements.
Our service architecture brings together field operations, telecalling, portfolio management, tracing and MIS reporting.
Institutional Debt Recovery & Collections
Structured Execution For Complex Recovery Requirements.
We provide end-to-end recovery management for written-off and flow loan portfolios.
Our operations are aligned with the characteristics of each portfolio and the recovery objectives defined by the lending partner.
Field Collections
Local Reach. Disciplined Execution.
Our trained Field Officer network enables structured on-ground borrower engagement across our operating regions.
Field teams conduct visits, engage borrowers and support settlement discussions within defined SOPs and professional conduct standards.
Telecalling & Soft Collections
Early Engagement. Structured Follow-up.
Our dedicated backend telecalling teams support early-bucket and pre-delinquency outreach, Promise-to-Pay follow-ups and borrower communication.
The objective is to create structured engagement throughout the early stages of the recovery cycle.
Flow & Written-off Portfolio Management
Different Portfolios. Different Strategies.
We manage both current/flow and written-off portfolios using DPD-bucket-based strategies and structured reporting.
Our teams adapt execution according to portfolio characteristics and recovery requirements.
MIS & Recovery Reporting
Performance You Can See.
Recovery operations require visibility.
Our MIS and reporting processes provide structured visibility into productivity and recovery activity, enabling lending partners to monitor portfolio performance.
Skip Tracing & Borrower Location
Re-establishing Contact Where It Matters.
Our structured tracing processes support contact re-establishment with hard-to-reach borrowers across our operating regions.
OUR OPERATING MODEL
ASSESS. STRATEGIZE. EXECUTE. MONITOR. REPORT.
Assess
Understand portfolio characteristics and recovery requirements.
Strategize
Align operational activity with portfolio and DPD-bucket requirements.
Execute
Deploy field and telecalling capabilities.
Monitor
Track productivity, activity and portfolio movement.
Report
Provide structured visibility through MIS and recovery reporting.