Kred | Loan Management System

About Kred | Loan Management System

Deep Dive with Clara AI

SwiffyLabs' Kred is a loan management system for banks, NBFCs and fintech lenders. It picks up at disbursement and runs everything after it: servicing, repayments, collections, co-lending and regulatory reporting. Kred is built as composable modules. A lender can run Kred's collections or servicing against an existing core without replacing that core. Product terms, charges, repayment schedules and collections rules are set in configuration, so a policy change doesn't wait on a release. What Kred does: • Loan lifecycle from disbursement to closure • Collections and recovery: allocation, follow-up across channels, payment capture, DPD bucketing • NPA classification and regulatory reporting, run on live loan data • Co-lending, including FLDG, partner-wise splits and settlement • Payments and mandate processing • Portfolio analytics and reporting your team can reconfigure • Role-based access and full audit trails • Cloud or on-premise, with data encryption Collections sit inside the servicing platform rather than beside it, so allocation, payment capture and NPA staging all read the same record. Nothing is copied between systems. That removes the month-end reconciliation that shows up whenever collections run in a separate tool. The SwiffyLabs platform is pre-integrated with CIBIL, Equifax, TransUnion, DigiLocker, NSDL and CERSAI. SwiffyLabs is backed by WestBridge Capital. Platform-wide, across all products, SwiffyLabs has processed over 9.4 million lending journeys at a 99.9988% success rate.