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Current company Jocata
Financial Services · 775 employees · Founded 2010 · Hyderabad, Telangana, India
Jocata (a subsidiary of BillDesk) is India’s leading digital transformation partner enabling 50+ large financial institutions in India, ASEAN, and the Middle East to be future-ready by using best-in-class technology. Jocata was founded to provide digital backbone to financial institutions & help them modernize legacy banking systems. With the rise of digital lending as a powerful innovation in India in recent years, we realized the need for new business models. Jocata specializes in digital lending using credit automation, smart decision-making, & intelligent monitoring. The highly configurable, purpose-built, low-code platform from Jocata powers enterprise lending programs for large banks & operates in a SaaS model to enable Embedded Finance for FinTechs, Neobanks, and Marketplaces. As digital channels continue to gain popularity, we saw an opportunity for financial institutions to offer personalized customer experiences by leveraging emerging technologies on a wealth of data sets. We built proprietary AI/ML scoring models to assess MSME & Retail borrowers with ‘SME DNA’ & ‘Retail Persona Score’ respectively. We empower financial institutions with deep behavioural & predictive analytics for better underwriting decisions & an effective credit policy framework. To navigate through increasing complexity of financial crimes & evolving regulatory environment, we offer an integrated FCC solution suite including Customer Due Diligence & KYC Management, Negative Screening, AML Transaction Monitoring, & Fraud Detection. In an industry first, Jocata launched India’s first MSME Economic Activity Index- Jocata Sumpoorn in association with SIDBI. This MSME specific high-frequency indicator is developed using consent-led & anonymized monthly GST sales data of credit-seeking MSMEs. It aims to empower financial institutions, policymakers, & economists to strategize credit flow & create tailored policies for the sustainable growth of Indian MSMEs. Visit: