About Us

Recovery Solutions Built on Compliance, Transparency & Results

About Galaxy Credit Services

Ethical, Compliant & Performance-Driven Credit Recovery Solutions Since 2009

Galaxy Credit Services is an authorized credit recovery and loan collection company, established on 1st July 2009 with a strong foundation built on integrity, transparency, and consistent performance. As a professionally managed partnership firm led by Mr. J. Sridhar and Mrs. Geetha Jambulingam, we bring more than a decade of expertise in loan recovery management, borrower engagement, delinquency control, and NPA reduction for financial institutions across India.

Over the years, we have built a reputation as a reliable recovery partner for leading Banks and NBFCs, offering ethical, compliant, and structured recovery services that align with all industry regulations and guidelines. Our approach focuses on respectful borrower communication, timely recovery execution, data confidentiality, accurate reporting, and long-term client relationships.

Today, Galaxy Credit Services proudly serves some of India’s most respected financial institutions, delivering efficient, transparent, and law-abiding debt recovery solutions tailored to each client’s operational needs.

Experienced Leadership Behind Ethical Credit Recovery Services

Galaxy Credit Services is led by seasoned professionals with deep expertise in credit recovery, loan collection services, and NPA management. Since the company’s establishment in 2009, the owners’ strong leadership has played a key role in positioning Galaxy Credit Services as a reliable and compliant recovery partner for Banks and NBFCs. Their combined experience ensures that every recovery process follows ethical practices, regulatory compliance, and result-driven execution, helping financial institutions achieve consistent recovery performance.

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Highly recommend

“I came up with the idea to develop a useful app that will bring smiles to millions of minds. The team of SaaSByte has heard my side of the story and turned that into an interactive application. I will suggest this company as well.”

Mario Speedwogan

May 21, 2020

Highly recommend

“I came up with the idea to develop a useful app that will bring smiles to millions of minds. The team of SaaSByte has heard my side of the story and turned that into an interactive application. I will suggest this company as well.”

Mario Speedwogan

May 21, 2020

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Our Mission & Vision

To deliver ethical, compliant, and result-driven credit recovery services that help Banks and NBFCs reduce delinquencies, improve cash flow, and maintain strong borrower relationships while ensuring complete transparency and professionalism.

To become India’s most trusted and responsible credit recovery partner, known for integrity, performance, compliance, and a client-first approach—while upholding the highest standards of lawful and respectful recovery practices..

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Our Core Values

These principles guide our ethical and compliant credit recovery practices, enabling us to deliver effective loan collection, NPA reduction, and delinquency management solutions for banks and NBFCs—without compromising integrity or regulatory standards.

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Integrity & Transparency

We conduct all credit recovery activities with honesty, fairness, and clear communication, building long-term trust with clients and borrowers alike.

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Professional Excellence

Our experienced team follows structured processes, disciplined execution, and accurate reporting to deliver consistent recovery performance.

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Result-Focused Approach

We aim for timely recoveries and reduced NPAs through proven strategies, data-driven follow-ups, and performance-oriented execution.

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Compliance & Ethics

Every recovery process strictly follows RBI guidelines and regulatory standards, ensuring lawful, responsible, and harassment-free loan collection.

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Respectful Borrower Engagement

We believe responsible recovery begins with dignity. All borrower interactions are handled with respect, sensitivity, and professionalism.

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Client-Centric Partnership

We work as an extension of our clients’ teams, offering customized recovery solutions, transparent reporting, and reliable ongoing support.

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