Services We Offer
At SUS CREDIT SERVICE, we offer a comprehensive suite of services designed to support every stage of the credit lifecycle – from borrower verification and disbursal risk assessments to post-default recovery and legal coordination. Our services are tailored for banks, NBFCs, MFIs, fintech lenders, and other credit institutions aiming to minimize risk, reduce delinquencies, and streamline recovery processes.
Loan Recovery & Collection Services
Recover what's rightfully yours – ethically and efficiently.
Our Loan Recovery & Collection division is built on the foundation of legal compliance, borrower sensitivity, and proven field practices. We provide both soft recovery (reminder calls, negotiation) and hard recovery (field visits, skip tracing, defaulter engagement) tailored to the nature of each case—whether secured, unsecured, high-ticket, or overdue accounts.
Features:
End-to-end recovery for personal, business, auto, gold, and unsecured loans
Trained recovery agents with RBI-compliant practices
Real-time updates and collection performance reports
Integration with legal recovery teams for complex cases
“Reduce your NPA percentage with our trusted recovery framework.”
Field Verification & Background Checks
Ensure borrower authenticity before disbursing loans.
Before lending, it’s crucial to verify the legitimacy of the applicant’s identity, employment, residence, and financial background. Our field verification services include physical site visits, document validation, neighbor and employer feedback, and submission of geo-tagged photo reports within 24–48 hours.
We Cover:
Residence Verification
Employment/Business Premises Verification
Guarantor & Reference Checks
Document Collection & KYC Verification
“Trust, but verify — avoid bad loans by verifying upfront.”
Skip Tracing & Defaulter Tracking
Ensure borrower authenticity before disbursing loans.
Skip Tracing is one of our most sought-after services, especially for accounts classified as ‘difficult to contact’ or ‘written off’. Using a blend of technology, social profiling, ground intelligence, and digital tracking tools, we trace the current whereabouts of the borrower and initiate appropriate recovery measures.
Why Choose Our Skip Tracing?
90% success rate in locating absconding borrowers
Cross-verification through government databases, telecom inputs, and social media trails
Ground-level intel from neighbors, associates, and known circles
“Lost contact doesn’t mean lost recovery – we bring them back on the radar.”
Credit Risk Profiling & Assessment
Know the risk before you lend.
We help financial institutions assess the risk factor associated with a new or repeat borrower. This includes analyzing income stability, business credibility, credit history, and fraud patterns. Our assessments are designed to prevent high-risk loans and reduce future delinquencies.
Services Include:
Employment & Income Verification
Financial Documentation Review
Fraud Flagging & Cross-Bureau Analysis
Risk Scoring Reports
“Right lending decisions begin with the right risk evaluation.”
Credit Risk Profiling & Assessment
Ongoing borrower tracking to minimize EMI defaults.
Post-loan disbursal, we offer monitoring services to assess borrower behavior and flag any early warning signals. Our agents conduct surprise visits or follow-up verifications to confirm address, occupation continuity, and loan utilization, especially during the initial months of EMI cycles.
Benefits:
Helps detect early-stage delinquencies
Reduces skip probability by regular presence
Useful for high-value or self-employed borrowers
“Recovery begins with prevention – monitor before the default.”
Legal & Arbitration Recovery Support
Back your recovery strategy with strong legal execution.
For stubborn defaulters or accounts that have crossed the soft recovery stage, we provide full-fledged legal support. Our legal team coordinates with client institutions to initiate appropriate actions under SARFAESI Act, DRT, Lok Adalats, or civil suits.
Legal Services Offered:
Legal Notice Drafting & Issuance
Arbitration Filing & Follow-Up
Lok Adalat Representation
Documentation Assistance for Legal Proceedings
“When negotiations fail, our legal arm takes over – strong, lawful, and timely.”
Documentation Support & Due Diligence
Keep your paperwork clean, clear, and compliant.
We help banks and NBFCs prepare, validate, and review all borrower-related documents to ensure regulatory compliance and readiness for future legal use. Our due diligence services ensure that your institution is never caught off guard in recovery disputes.
Includes:
Agreement Validation
Loan Application Vetting
Recovery Trail Documentation
Legal Dossier Preparation
“A strong paper trail protects your rights and strengthens every recovery.”
Services We Offer
At SUS CREDIT SERVICE, we offer a comprehensive suite of services designed to support every stage of the credit lifecycle – from borrower verification and disbursal risk assessments to post-default recovery and legal coordination. Our services are tailored for banks, NBFCs, MFIs, fintech lenders, and other credit institutions aiming to minimize risk, reduce delinquencies, and streamline recovery processes.
Loan Recovery & Collection Services
Recover what's rightfully yours – ethically and efficiently.
Our Loan Recovery & Collection division is built on the foundation of legal compliance, borrower sensitivity, and proven field practices. We provide both soft recovery (reminder calls, negotiation) and hard recovery (field visits, skip tracing, defaulter engagement) tailored to the nature of each case—whether secured, unsecured, high-ticket, or overdue accounts.
Features:
End-to-end recovery for personal, business, auto, gold, and unsecured loans
Trained recovery agents with RBI-compliant practices
Real-time updates and collection performance reports
Integration with legal recovery teams for complex cases
“Reduce your NPA percentage with our trusted recovery framework.”
Field Verification & Background Checks
Ensure borrower authenticity before disbursing loans.
Before lending, it’s crucial to verify the legitimacy of the applicant’s identity, employment, residence, and financial background. Our field verification services include physical site visits, document validation, neighbor and employer feedback, and submission of geo-tagged photo reports within 24–48 hours.
We Cover:
Residence Verification
Employment/Business Premises Verification
Guarantor & Reference Checks
Document Collection & KYC Verification
“Trust, but verify — avoid bad loans by verifying upfront.”
Skip Tracing & Defaulter Tracking
Ensure borrower authenticity before disbursing loans.
Skip Tracing is one of our most sought-after services, especially for accounts classified as ‘difficult to contact’ or ‘written off’. Using a blend of technology, social profiling, ground intelligence, and digital tracking tools, we trace the current whereabouts of the borrower and initiate appropriate recovery measures.
Why Choose Our Skip Tracing?
90% success rate in locating absconding borrowers
Cross-verification through government databases, telecom inputs, and social media trails
Ground-level intel from neighbors, associates, and known circles
“Lost contact doesn’t mean lost recovery – we bring them back on the radar.”
Credit Risk Profiling & Assessment
Know the risk before you lend.
We help financial institutions assess the risk factor associated with a new or repeat borrower. This includes analyzing income stability, business credibility, credit history, and fraud patterns. Our assessments are designed to prevent high-risk loans and reduce future delinquencies.
Services Include:
Employment & Income Verification
Financial Documentation Review
Fraud Flagging & Cross-Bureau Analysis
Risk Scoring Reports
“Right lending decisions begin with the right risk evaluation.”
Credit Risk Profiling & Assessment
Ongoing borrower tracking to minimize EMI defaults.
Post-loan disbursal, we offer monitoring services to assess borrower behavior and flag any early warning signals. Our agents conduct surprise visits or follow-up verifications to confirm address, occupation continuity, and loan utilization, especially during the initial months of EMI cycles.
Benefits:
Helps detect early-stage delinquencies
Reduces skip probability by regular presence
Useful for high-value or self-employed borrowers
“Recovery begins with prevention – monitor before the default.”
Legal & Arbitration Recovery Support
Back your recovery strategy with strong legal execution.
For stubborn defaulters or accounts that have crossed the soft recovery stage, we provide full-fledged legal support. Our legal team coordinates with client institutions to initiate appropriate actions under SARFAESI Act, DRT, Lok Adalats, or civil suits.
Legal Services Offered:
Legal Notice Drafting & Issuance
Arbitration Filing & Follow-Up
Lok Adalat Representation
Documentation Assistance for Legal Proceedings
“When negotiations fail, our legal arm takes over – strong, lawful, and timely.”
Documentation Support & Due Diligence
Keep your paperwork clean, clear, and compliant.
We help banks and NBFCs prepare, validate, and review all borrower-related documents to ensure regulatory compliance and readiness for future legal use. Our due diligence services ensure that your institution is never caught off guard in recovery disputes.
Includes:
Agreement Validation
Loan Application Vetting
Recovery Trail Documentation
Legal Dossier Preparation
“A strong paper trail protects your rights and strengthens every recovery.”