In a world where innovation drives progress, Rishabh Goel, the Co-founder and CEO of Credgenics, stands as a remarkable symbol of how technology can redefine entire industries. A graduate of the Indian Institute of Technology (IIT) Delhi, Rishabh Goel’s journey from the halls of academia to the forefront of fintech leadership is a tale of insight, purpose, and passion. With his company Credgenics, he is reshaping how financial institutions approach loan collections, bad debts, and credit recovery — making the process intelligent, efficient, and humane.
Rishabh Goel: A Journey Rooted in Purpose and Vision
Born with a deep curiosity for innovation, Rishabh Goel pursued a B.Tech in Engineering Physics at IIT Delhi — a course that honed his analytical thinking and problem-solving mindset. His academic rigor extended beyond the classroom as he went on to earn certifications in Financial Risk Management (FRM) and Chartered Financial Analysis (CFA).
After graduating, he gained first-hand experience in the global finance ecosystem by working with industry giants Deutsche Bank and BlackRock. It was during this phase that Rishabh noticed a recurring challenge: the inefficiency and outdated practices in debt recovery and loan collections. The rising burden of non-performing assets (NPAs) was not only affecting banks but also threatening the stability of entire economies. This realization became the spark that ignited his entrepreneurial spirit.
The Birth of Credgenics: Disrupting the Debt Collection Landscape
In 2018, Rishabh Goel, along with co-founders Anand Agarwal and Mayank Khera, launched Credgenics, a SaaS-based fintech platform designed to transform loan collections and debt recovery. Later joined by Shubham Goel, the team shared a common goal — to bring transparency, automation, and intelligence to an industry long plagued by inefficiencies.
Credgenics is not just a platform; it is a revolution in credit management. By combining artificial intelligence (AI), machine learning (ML), data analytics, and legal tech, the company empowers banks, NBFCs, and fintech lenders to digitize their entire debt collection lifecycle. From pre-due stages to post-delinquency and legal recovery, Credgenics provides an integrated, data-driven system that minimizes human error, reduces operational costs, and improves recovery rates dramatically.
Rishabh Goel: Leading with Impact: Rishabh Goel’s Vision for Financial Transformation
As the CEO of Credgenics, Rishabh Goel leads with a mission to build a healthier, more resilient credit ecosystem. His vision is not limited to solving collection inefficiencies; it extends to strengthening the global financial infrastructure by addressing one of its most pressing problems — bad loans.
Under his leadership, Credgenics has achieved extraordinary milestones:
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Ranked #1 Market Leader in India Retail Lending and #2 Regional Leader in APAC in the IBSi Sales League Table 2022.
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Helping lenders achieve 20% higher resolution rates, 80% recoveries across delinquent accounts, and 40% reduction in collection costs.
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Managing over $2 billion in NPA-stage retail loan books and $6 billion in delinquent-stage retail loans.
These achievements are a testament to Goel’s ability to blend strategic foresight with technological innovation, creating measurable value for clients while fostering financial inclusion and sustainability.
Innovation with a Human Touch
What makes Rishabh Goel Credgenics exceptional is its human-centered approach to debt recovery. Instead of relying on aggressive or impersonal collection tactics, Credgenics uses AI-powered behavioral analytics to tailor communication with borrowers. This ensures that each interaction is empathetic, personalized, and aligned with the borrower’s financial situation.
“Debt recovery is not just about reclaiming money; it’s about restoring trust,” says Rishabh Goel. His leadership philosophy is centered on responsible innovation, where technology serves as an enabler for positive social and economic outcomes.
Recognition and Influence
Rishabh Goel’s remarkable contributions have earned him widespread recognition. He has been featured in Forbes Asia 30 Under 30 and Hurun India 30 Under 30, both prestigious platforms celebrating young innovators transforming their industries. He is also frequently invited to speak at global fintech and banking conferences, where he shares insights on leveraging technology to strengthen credit systems and financial inclusion.