Step-Up is the debt collections market leader - redefining the landscape of loan recovery and debt collection. Our award-winning, AI-powered full-stack collections platform delivers: ‍
• AI and ML powered data analytics providing behavioral insights and payment trends for targeted, time-sensitive collections strategies
• In-house technology stack for real-time visibility across all borrower touchpoints
• Integrated collections journeys powered by GenAI capabilities for maximum efficiency
• Robust policy controls for regulatory compliance With comprehensive modules spanning digital communication, predictive dialer, notices, litigation management, field collections app, payments platform, and ODR (Online Dispute Resolution), we cover the entire loan collections lifecycle.
The Step-UP collections software platform is purpose-built to serve a broad spectrum of users, including banks, NBFCs (Non-Banking Financial Companies), HFCs (Housing Finance Companies), MFIs (Microfinance Institutions), Fintechs, ARCs (Asset Reconstruction Companies), digital lenders, and dedicated collection agencies. With Credgenics, you're investing in a smarter, more efficient way to manage and recover debts.

Partnering with Step-Up Business Services Pvt. Ltd. enhances the entire debt recovery and collections process by combining process excellence, technology-enabled communication, and regulatory-compliant legal support.
We simplify complex recovery workflows through a seamless integration of data validation, bulk dispatch, multichannel borrower communication (SMS, Email, WhatsApp, IVR, physical notices), and legal documentation services.

By leveraging automated tracking, real-time reporting, and audit-compliant communication frameworks, Step-Up enables financial institutions to:
• Improve operational efficiency and recovery turnaround times
• Maintain full transparency and compliance across collections workflows
• Prioritize collections efforts based on real-time borrower response data
• Mitigate risks through strong controls and legal enforcement support
• Deliver personalized borrower engagement across regional languages and platforms
With a data-driven approach and a compliance-first mindset, Step-Up helps lenders achieve faster, more secure, and more reliable debt resolution — while maintaining the highest standards of operational excellence.

At Step-Up Business Services Pvt. Ltd., we enhance debt collections and loan recovery rates through a strategic blend of process excellence, technology-enabled communication, and regulatory-compliant legal support.
Our integrated approach includes:
• Prioritizing high-risk and delinquent accounts through structured data validation and real-time borrower response tracking.
• Enabling timely, personalized communication across SMS, Email, WhatsApp, IVR, and physical notices to maximize borrower engagement.
• Automating reminders, dispatch tracking, and proof of delivery (POD) to ensure proactive follow-ups and compliance documentation.
• Supporting legal escalation processes with end-to-end SARFAESI compliance, statutory notice generation, and litigation documentation.
By combining technology-driven workflows with expert operational handling, Step-Up helps financial institutions recover debts more efficiently, reduce delinquency rates, and maintain positive customer relationships — while ensuring full regulatory compliance at every step.

Step-Up Business Services Pvt. Ltd. serves a wide range of financial institutions seeking efficient, compliant, and technology-enabled debt recovery solutions.
Our services are trusted by:
• Banks
• NBFCs (Non-Banking Financial Companies)
• HFCs (Housing Finance Companies)
• MFIs (Microfinance Institutions)
• Fintech companies and digital lenders
• ARCs (Asset Reconstruction Companies)
• Dedicated collection agencies
Whether you are a start-up fintech, a growing NBFC, or an established financial institution, Step-Up provides end-to-end support across data validation, dispatch management, multilingual communication, SARFAESI compliance, and legal documentation — helping you streamline operations, stay compliant, and drive superior recovery outcomes.
At Step-Up, we combine process expertise, technology-driven workflows, and a compliance-first mindset to power your debt recovery strategies with efficiency, transparency, and customer sensitivity.

At Step-Up Business Services Pvt. Ltd., data security and client confidentiality are top priorities. We maintain stringent security protocols across all operational processes to safeguard sensitive customer information during debt recovery activities.
Our security measures include:
• Secure cloud storage and restricted access controls to protect all customer and client data.
• Role-based access management to ensure that only authorized personnel can access specific datasets.
• End-to-end encryption during data transmission and secure handling during dispatch, communication, and legal documentation workflows.
• Regular data backups and disaster recovery protocols to ensure business continuity.
• Compliance with ISO 27001 standards and adherence to industry best practices in data privacy and security.
By combining technology-driven safeguards with a compliance-first operational framework, Step-Up ensures full confidentiality, integrity, and security of customer data — supporting the trust and compliance needs of financial institutions.

At Step-Up Business Services Pvt. Ltd., we use technology-driven insights and data analytics to optimize the debt collections process.
Our approach focuses on analyzing borrower behavior, tracking response patterns, and streamlining communication workflows to drive better recovery outcomes.
We leverage:
• Data segmentation to prioritize high-risk accounts and design tailored engagement strategies.
• Automated tracking and real-time reporting to monitor borrower responses and refine follow-up actions.
• Technology-enabled scheduling of reminders, notices, and escalation communications to ensure timely borrower engagement.
• Data-driven decision-making that helps lenders focus resources effectively and reduce manual intervention.
While Step-Up incorporates intelligent automation and process optimization tools, we remain focused on maintaining compliance, enhancing borrower engagement, and improving recovery rates through strategic, tech-enabled operations — not through standalone AI/ML platforms.