A Step Toward

Become A Channel Growth Partnership (CGP)

No Investment Required Zero Process Interference Absolute Freedom
Acquire. Recover. Grow.

Acquire clients faster with proven sales support and AI-powered tools

Automate Recovery. Maximize Returns

Enable faster, compliant and smarter debt recovery through automation

Exclusive Territory Ownership

Own your territory and build long-term, recurring revenue.

On Boarding Journey

Onboarding Journey
Phase 1 (CGP)

Initiating Partnership & Generate Credentials For System Access.

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Onboarding Journey
Phase 2 (CGP)

Initiating Partnership & Client Conversion: Activating Your Business Channel

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Onboarding Journey
Phase 1

Gathering essential information and generatite credentials for immediate system access.

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Onboarding Journey
Phase 2

Prepares the customer to access the dashboard, purchase a subscription, & begin utilizing its services.

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Why Join Us?

Financial Stability

Your basic operational costs are covered from day one.

Scalability

Allows you to focus on high-quality lead generation rather than "desperation sales.

Operational Liberty

You are the CEO of Your Territory – You define your hours, your methods & your strategy.

True Work-Life Integration

You choose when to work. You have the liberty to execute your own strategy.

Process Ownership

We support you execute - Instead of a "Boss-Subordinate" relationship, CK provide the tools and suggestions; to execution.

The Toolkit

Access to CK’s proprietary technology (AI based debt recovery dashboard), debt collection frameworks, & financial product portfolios.

Why Partner With Us?

Join the circle of financial masters

Financial Stability

Your basic operational costs are covered from day one.

Scalability

Focus on high-quality lead generation rather than desperation sales.

Operational Liberty

You are the CEO of your territory – define your hours & strategy.

True Work-Life Integration

You choose when to work and how to execute.

Process Ownership

CK supports execution, not boss-subordinate control.

The Toolkit

AI recovery dashboard, frameworks & product portfolios.

Scope of Roles

Your Network, Our Platform, A World of Opportunities

Business Development

Act as business development & recovery support partner for Credit Kollect.

Territory / Segment Development

Develop territories, build relationships with local businesses & associations.

Recovery Support

Identify defaulters & coordinate recovery (no cash handling).

Marketing & Promotion

Digital platforms, field visits, networking & referrals.

Customer Onboarding Support

Documentation, process explanation & backend coordination.

Founder

Who is Eligible to Join?

Financial Consultants

People already dealing in loans, insurance, or wealth management.

Chartered Accountants (CAs)

Looking to provide value-added recovery services to their clients.

Ex-Bankers

Professionals with deep experience in credit and collections.

MSME Influencers

Individuals with strong connections in industrial hubs or trade associations.

Strategic Entrepreneurs

Business-minded individuals looking for a recession-proof vertical. Can build a high-yield professional practice using a AI-driven framework.

Knowledge is the only prerequisite

Whether you are an independent consultant or a seasoned professional, there is a place for you as a CGP at Credit Kollect.

Why an AI – Powered
Platform is Essential

Zeme India

Zeme India Earthing Pvt. Ltd.

“A large outstanding payment from a government project was pending for over 180 days, involving complex paperwork” Credit Kollect AI-Powered System identified discrepancies in all legal and administrative documents. ”

Managing Director Zeme India Earthing Pvt. Ltd.

Shri Ramesh

Small business owner

“Payment was pending from a large client for over 180 days. Credit Kollect AI-Powered System initiated SMS Follow-ups & legal notice. Immediately generated an accurate of the amount was recovered in just 60 days.”

Proprietor Shri Ramesh

Smt. Priya Kesharwani

Freelancer

“A client refused payment after accepting the work and threatened legal action. CK helps me in Legal Assistance & immediately took over the case, refuted the client's threatening claims, and provided proper legal documentation.”

Proprietor Smt. Priya Kesharwani

M/s Abhinav Traders

(Distributor)

“We were losing track of small payments from multiple customers, which was hampering recovery. With Credit Kollect’s digital dashboard, all payments were consolidated and tracked in one place.”

Proprietor Abhinav Traders

0

Till now successful recovered amount & counting!

Satisfied MSME Business Owners

5,000+

Beyond Manual Chasing

”Scalable AI that predicts, Persuades and Recovers.”

Predictive Intelligence & Risk Management

  • Early Warning Systems (EWS): AI algorithms analyse payment patterns to identify at-risk invoices.
  • Propensity-to-Pay Scoring: Categorize debtors to apply the best recovery strategy.
  • Behavioural Data Insights: Predict repayment timelines with up to 90% accuracy.

Hyper-Personalized Digital Engagement

  • Omni-channel Automation: WhatsApp, SMS, Email & IVR engagement.
  • Empathetic Negotiation: AI bots negotiate repayment plans.

Operational Efficiency at Scale

  • 8x Faster Operations: Automated follow-ups.
  • Zero-Cost Infrastructure: Cloud plug-and-play model.
  • Real-Time 360° Dashboard: Full portfolio visibility.

Legal Deterrence & Market Accountability

  • Defaulter Rating System: Impacts creditworthiness.
  • Automated Legal Workflows: Section 138, MSME notices.
  • Centralized Dispute Portal: Resolve billing issues.

National Economic Impact

  • ₹7.34 Lakh Cr Gap: Recover stuck MSME capital.
  • Improving Credit Scores: Better bank lending access.

Earning Potential

Uncap your income without opening your wallet

At Credit Kollect, growth isn’t gated by capital. As a Channel Growth Partner, you become a strategic extension of CK with AI-driven infrastructure support.

No Fixed Salary

No fixed remuneration shall be paid to CGP.

Commission Based

Commission on all successful collections.

Fast Payouts

Reconciliation every 10 days with verified payouts.

Long-Term Benefits

No investment, recurring income & exclusive territory opportunities.

Frequently
Asked Questions

What is a Certified Gateway Partner (CGP)?

A CGP is an authorized professional or agency that acts as a bridge between Credit Kollect’s AI platform and MSMEs to facilitate debt recovery.

Who can apply to become a CGP?

Individual consultants, recovery agencies, legal firms, and former banking professionals with experience in debt management.

Is DRA Certification mandatory?

No this is optional, while preferred for compliance; we provide guidance on obtaining certification to ensure you meet RBI standards.

Is there a registration fee?

(State your policy here, e.g., "There is a nominal one-time processing fee for verification and platform access.")

How do I earn with Credit Kollect?

CGPs earn through a combination of on boarding incentives for new MSMEs and a percentage-based commission on successful debt recoveries.

When are commissions paid out?

Pay-outs are processed thrice in a month directly into your registered bank account once the recovery is confirmed on the platform.

Is there a "Performance Bonus" structure?

CGPs who maintain a high "Resolution Score" and fast turnaround times qualify for monthly "Super-Partner" bonuses and higher-value debt portfolios.

How is the commission calculated for partial payments?

Commissions are calculated pro-rata. As soon as a debtor pays an instalment via the gateway, your percentage is locked and reflected in your "Accrued Earnings."

Who bears the cost of legal notices?

Digital legal notices are covered by the platform subscription. For physical speed posts or court filings, the costs are pre-defined and transparently shared between the MSME and the partner.

How does the AI help me recover debt faster?

Our AI analyses debtor behaviour to provide you with a "Propensity to Pay" score, telling you exactly who to call, when to call, and what tone to use.

Will the platform automate my manual work?

Yes. Automated legal notices, WhatsApp reminders, and IVR calls are handled by the system, leaving you to handle only high-value negotiations.

Can I track my performance in real-time?

Your CGP Dashboard provides a 360-degree view of all assigned cases, recovery stages, and pending commissions.

Does Credit Kollect provide the leads?

We assign debt portfolios from our registered MSME clients to CGPs based on their geographic location and industry expertise.

What happens if a debtor disputes an invoice?

You use the Smart Dispute Management portal to upload evidence and mediate between the MSME and the debtor.

Is field visiting required?

Depending on the case severity, field visits may be required. The AI will flag "High-Risk" accounts where physical intervention is most effective.

What kind of training will I receive?

Every CGP undergoes mandatory Digital Recovery Certification modules covering platform usage, ethical negotiation, and the latest MSME-specific laws.

Is there a dedicated Partner Support desk?

Yes, CGPs have access to a "Priority Chat" within the dashboard for technical issues or complex case consultations with our legal team.

How does the platform handle "False Claims" by MSMEs?

We use Triple-Verify Documentation. Before a case reaches you, the AI validates the invoice, proof of delivery, and prior communication to ensure the debt is legitimate.

How do you ensure data privacy?

We are fully compliant with the DPDP Act 2025. All debtor and client data is encrypted and accessible only on a "need-to-know" basis.

What are the "Fair Practice Codes" for CGPs?

All partners must strictly adhere to the Credit Kollect code of conduct, which prohibits harassment and ensures professional debt resolution.

Code of Conduct

Channel Growth Partners (CGPs)

At Credit Kollect, we believe debt recovery is a professional financial service, built on ethics, transparency, and accountability.

Professionalism & Integrity

  • Zero Harassment Policy: No abusive language, threats, or intimidation. Communication only between 9:00 AM – 7:00 PM.
  • Transparent Representation: Clearly identify yourself as an authorized representative of Credit Kollect and the MSME client.

Regulatory Compliance

  • RBI Guidelines: Strict adherence to RBI’s Fair Practice Code.
  • Data Privacy: Full compliance with DPDP Act 2025.
  • Legal Standards: Only platform-approved legal notices.

Ethical Negotiation

  • Honest Disclosure: No misleading legal consequences.
  • Dispute Sensitivity: Log disputes in Smart Dispute Management.

Digital Accountability

  • Platform First: All interactions recorded in-app.
  • Financial Propriety: No cash handling.

Credit Kollect reserves the right to terminate partnerships for any violation, ensuring a safe, ethical, and efficient MSME ecosystem.

(CGP) – Registration form

Core Business Information

Contact Details

Professional & Compliance Credentials

select multiple client types

Operational Capacity (Scope of the Partner)

Hold Ctrl / Cmd to select multiple regions Select all languages your team can support

Banking & Payout Details

Upload a clear image or PDF of your cancelled cheque for verification

Documents