Pallav Technologies

Pallav Technologies develops what it terms a 'Credit Operating System' for lenders, utilizing machine learning models to analyze customer applications, which helps to increase loan approval rates while managing risk. The system provides real-time creditworthiness insights and risk-based approval decisions in seconds through API integration. The platform is trained on various unsecured products like personal loans, credit cards, auto loans, and BNPL. A key service is its end-to-end debt collections agency, which uses technology and analytics for both desk and field collections to manage and recover non-performing loans in Indonesia and India.

The company targets financial services companies such as banks, multi-finance companies, and cooperatives, helping them build high-performance systems to compete in the digital era. Its client roster includes prominent companies like Akulaku, Traveloka, and AEON. The business model appears to be B2B, providing its technology and services directly to lending institutions. Pallav Technologies secured an undisclosed amount in a seed funding round in 2024, with investors including Monk's Hill Ventures, M Venture Partners, and Kadan Capital.