One Borrower. One Record. No Duplicates.
In lending, knowing your borrower is everything. Scattered contact data, duplicate records, missing documents, and inconsistent KYC create operational headaches and compliance risk. Crego's CDMS - Contact and Document Management System gives every borrower a single, verified, centralised identity across your entire lending portfolio. UCIC ensures no borrower exists twice in your system, no matter how many products or programs they are part of.
The Foundation Every Lending Operation Needs
Bad borrower data causes bad decisions. Crego's CDMS makes sure the data your ops, credit, and compliance teams work with is clean, complete, and always up to date.
Centralised Borrower Profiles
Every borrower individual or entity has one master profile in Crego. All their loans, documents, addresses, bank accounts, and transaction history are linked to this single record. No fragmentation across products or programs.
UCIC — Unique Customer Identification
Each borrower is assigned a unique identifier the moment they are created in the system. This ID persists across all products, programs, and loan accounts. It eliminates duplicate records and gives a clean single view of every borrower's relationship with the lender.
Document Management
Attach KYC documents, financial statements, agreements, and any other supporting files directly to the borrower profile. Define which documents are mandatory per contact type at the product level. The system enforces document completion before any loan can move forward.
Configurable Contact Properties
Every lender has different data requirements. Crego allows custom contact properties PAN, Aadhaar, GST number, turnover, occupation, or any other field to be configured per contact type without code changes. Capture exactly what you need, nothing more.
Relationship Mapping
Map relationships between contacts anchor to dealer, guarantor to borrower, group to individual. These relationships drive SCF program structures, co-borrower setups, and partner hierarchies. One change to the relationship reflects everywhere it is used.
Group and Hierarchy Management
Organise contacts into groups. Each group has its own reference pattern, document requirements, and access controls. Makes managing large borrower pools structured and scalable.
Where CDMS Fits in Your Lending Stack
Whether you are onboarding individual borrowers or managing complex multi-party supply chain structures, the CDMS gives you the data foundation to do it cleanly.
Borrower onboarding for retail and MSME lending
Create and manage individual and business borrower profiles with all required KYC fields, documents, and bank accounts in one place. Every profile is linked to a unique UCIC from day one no duplicates, no fragmented data.
Anchor and dealer management for SCF programs
Structure entire supply chain networks within Crego one anchor contact linked to hundreds of dealer contacts through defined relationships. Manage credit limits, documents, and bank accounts per dealer at scale.
KYC and document compliance tracking
Define mandatory documents per contact type and enforce submission before any loan can be processed. Track upload status, verification timestamps, and document expiry across the entire borrower base in real time.
Guarantor and co-borrower management
Link guarantors, co-applicants, and primary borrowers through relationships on the platform. Each party has their own verified profile, documents, and KYC — all connected to the same loan without data duplication.
LSP and partner contact management
Onboard and manage lending service providers, sourcing partners, and co-lenders as contacts within Crego. Track their associated loans, commission structures, and document compliance from a single profile.
Portfolio-wide borrower deduplication
Use UCIC to ensure every borrower exists exactly once across all products and programs. Identify and merge duplicate records, consolidate loan history, and give every team a clean single view of each borrower's full relationship with the lender.
Why Clean Borrower Data Changes Everything
Most lending problems trace back to messy, incomplete, or duplicated borrower data. Here is what the CDMS solves in practice.
Deduplication Across Products
A borrower has a personal loan and a business loan with the same lender. Without UCIC they may exist as two separate records with inconsistent data. With UCIC there is one record, one source of truth, and both loans are linked to it.
SCF Anchor-Dealer Setup
A supply chain finance program has one anchor and 200 dealers. Each dealer is a separate contact linked to the anchor through a relationship. The CDMS manages all 200 dealer profiles, their documents, bank accounts, and credit limits in a structured hierarchy.
Document Compliance at Scale
An NBFC onboarding 1,000 borrowers a month needs to ensure every borrower has submitted PAN, Aadhaar, bank statement, and income proof before their loan is approved. The CDMS tracks document status per borrower and blocks loan progress until requirements are met.
Guarantor and Co-Borrower Management
A home loan requires a co-applicant and a guarantor. All three parties primary borrower, co-applicant, and guarantor are separate contacts in Crego, linked through relationships, with their own documents and KYC tracked independently.
Portfolio-Wide Borrower View
A relationship manager wants to see all active loans, total outstanding, and document status for a borrower across every product they hold. The CDMS provides this single borrower view without the ops team pulling data from multiple systems.
Regulatory Audit
During an RBI audit, the lender needs to produce a complete KYC file for any borrower documents, verification timestamps, who uploaded what and when. The CDMS audit trail has this available for every contact at any time.
Frequently Asked Questions
Find answers to common questions below.
Build a Single View of Your Customers
Consolidate borrower identities, link documents, and ensure regulatory compliance with a purpose-built UCIC and document management system.