CreditNirvana launches ORCA and CognifAI Assist
By Abha Lohia ·
- CreditNirvana, a Bengaluru debt-management firm owned by Perfios, builds AI tools that help lenders recover loans
- It has introduced ORCA and CognifAI Assist, an AI suite for voice co-browsing and automated collections
- The firm says lenders see lower collection cost, better call connection and most journeys finishing without human help
What happened
- CreditNirvana launched ORCA and CognifAI Assist.
- Together they form an AI suite for collections and onboarding.
- It claims 40% lower collection cost.
- It claims 30% higher connect rate.
- It says 60-70% of journeys finish with no human.
Why it matters
- Lenders face drop-offs in re-KYC and loan sign-up.
- Collection costs rise with rigid outreach.
- The layer sits on existing systems, avoiding rebuilds.
The business
- CreditNirvana is a Perfios company.
- It focuses on AI-led debt management.
- Its flagship platform is Maestro.
- ORCA and CognifAI work alongside Maestro.
- It serves banks, NBFCs and fintechs.
Who put in money
- Perfios Parent
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