Introducing Maestro — The only Agentic AI engine built from the ground up for post-origination collections.
Introducing Maestro — The only Agentic AI engine built from the ground up for post-origination collections.
Clients backed by
Founded by Raj MKK, now a Perfios company
Accounts managed on the platform today
Assets under management across nine portfolio types
Built on Perfios · 1,000+ financial institutions · 18+ countries
Origination had been rebuilt. Underwriting had been rebuilt. Collections had not. It was still the least intelligent part of the lending lifecycle: manual queues, scripted calls, fragmented tools, and compliance handled after the fact.
Raj MKK founded CreditNirvana in 2019 to close that gap. The question was simple. If every other stage of lending runs on data, why does recovery still run on effort? That question became the platform: one connected system where machine learning decides, agentic AI acts, and every action is compliant by design.
CreditNirvana is now a Perfios company. That backing gives the platform the scale, data depth, and regulatory credibility of a business that has served financial institutions since 2008, applied to a single problem: getting every receivable to resolution, faster and at lower cost, without compromising compliance.
CreditNirvana is Perfios’ agentic AI platform for end-to-end debt management, combining machine learning, GenAI, and process automation across the full delinquency curve.
The convictions that decide how we build.
A receivable is not a dispute waiting to happen. It is a resolution waiting to be reached. We build for closure, not contact volume.
We publish measured outcomes, not projections. If we cannot show it in production, we do not put it on a slide.
RBI, DPDP, and SARFAESI are not constraints to work around. They are the specification we build to, enforced in the product itself.
Borrowers in distress are customers, not targets. Intelligent collections means the right conversation, in the right language, at the right moment.
“A receivable is not a dispute. It is an unfinished resolution. We built CreditNirvana so that no lender has to choose between recovery, cost, and compliance to reach it.”
Operators from India’s largest banks and technologists from Perfios’ data infrastructure, in one room.
Perfios has built the data infrastructure that Indian lending runs on since 2008: 1,000+ financial institutions, 18+ countries, and integrations across core banking, bureaus, and payments. As a Perfios company, CreditNirvana inherits that scale, data depth, and compliance foundation from day one, and applies it to collections.
ISO 27001
ISO 27017
SOC 2 Type II
CSA STAR Level 2
We hire people who believe recovery should run on intelligence, not effort. Engineers, data scientists, collections operators, and compliance minds welcome.
We hire people who believe recovery should run on intelligence, not effort. Engineers, data scientists, collections operators, and compliance minds welcome.
