End-to-end debt collection solutions.
Since 2021, Flawless99 has helped leading banks and NBFCs across Karnataka recover what's owed — with discipline, discretion, and a results-first mindset.
A niche, carved with intent.
Flawless99 was established in 2021, and has since provided services to various banks and reputed non-banking financial institutions across Karnataka. We offer complete collection solutions tailored to meet the individual requirements of every client.
Our Mission
Deliver efficient debt recovery to businesses of all sizes — and stand among the best in the industry.
Our Objective
Cost-effective, high-quality services across credit cards and personal loans with tactical execution.
What we recover.
Personal Loans
Bucket 1–5, NPA and write-off recovery across multiple cycles.
Credit Cards
V1–V5 write-off portfolios handled with DRA-certified executives.
Skip Tracing
Locating and tracing debtors using our proprietary credit database.
Tele-calling
Predictive dialing with call recording across dedicated landlines.
Direct communication. Disciplined controls.
Every undisputed debt lodged with us is recorded in our credit-reporting database — reducing turnaround time and giving accurate, timely debtor insight.
- 1Portfolio segregated equally among executives — high-value cases distributed evenly.
- 2Personal visits by Team Manager on every high-value case.
- 3One-to-one debtor contact — sensitive yet assertive communication.
- 4Periodic audits of mark-cut receipts from banks.
- 5Daily reviews and cycle-wise MIS reporting to clients.
Built to operate
at scale.
Trusted by leading institutions.
| Client | Product | Portfolio | Bucket |
|---|---|---|---|
| ICICI Bank | Personal Loan | Write-off | 180+ |
| Bajaj Finance | Salary A/C | Bucket | 2-3-4-5 |
| Axis Bank | Personal Loan | Bucket | NPA (Bucket 4) |
| HDB Financial Services | RELPL | Bucket | 1-5 |
| HDB Financial Services | RELPL | Write-off | Write-off |
| IDFC First Bank | 2 wheeler | Bucket X & BKT 8 | - |
| IDFC First Bank | Personal Loan | Write off | 180+ |
| Axis Bank | Credit Card | Write-off | V5 - V1 |
Experienced. DRA certified.
Every team member's resume and reference letters are maintained on file.
Mohammad Tabrez Alam
20+ yrs · Lead
Abdul Hafeez
18+ yrs · Senior Executive
Ameen
19+ yrs · Senior Executive
Let's recover,
together.
We'd be honoured to work with your organisation. Reach out — we typically respond within one business day.
Tasker Town, Shivaji Nagar,
Bengaluru, Karnataka 560001