Exclusively for NBFCs, AHFCs & MFIs in India

We make your NBFC branches
perform at their
financial potential.

Hiring tools, field AI, attrition prediction, and capability building — built exclusively for India's NBFC lending sector. One partner. End-to-end.

Book a Demo → See course library ↓

Trusted by leading BFSI institutions across India

Our Solutions

Five interventions that directly
impact your branch P&L.

Client Voice

What CXOs & HR Heads
actually say.

Book a Demo

Ready to move the needle on
branch performance?

Tell us your challenge. We will show you exactly which intervention fits your team size, segment, and budget — no pitch, just a straight conversation.

25+ BFSI institutions already trust us
Tools that directly impact field productivity and P&L
One partner across hiring, training, AI, and attrition
Response within 24 hours, guaranteed
Tell us about your team
About C.R.A.F.T Academia

Built from the
field. For the field.

Founded by practitioners who spent years inside NBFC branches before building products for them. We understand the field because we have worked in it.

Who We Are

India's only NBFC P&L partner.

C.R.A.F.T Academia was built on one conviction — that the only real variable in branch performance is the people inside the branch. Not the product. Not the geography. The people.

Every tool we have built — from hiring assessments to field AI to attrition prediction — is designed to make those people more effective, more stable, and more productive. Training is one part of that system. Not the whole of it.

2016
Founded
200+
Course Hours
15+
BFSI Clients
15,000+
Learners Trained
Leadership

The people behind
C.R.A.F.T Academia.

Debraj Das
Founder
Debraj Das
Founder & CEO
18+ years in BFSI across field sales, wealth management, and regional leadership at ICICI Bank and Kotak Mahindra. Founded C.R.A.F.T Academia in 2016 with a conviction that NBFC frontline training had to be rebuilt from the ground up. Leads business strategy and key client relationships. The only founder in NBFC skill-tech who has sat on both sides of the table.
LinkedIn
Kasturi Tendulkar
Co-Founder
Kasturi Tendulkar
Co-Founder & Head — BD & Admin
Heads business development and keeps the entire client engine running. From first conversation to final delivery — every proposal, every onboarding, every renewal has her fingerprints on it. Combines sharp commercial instinct with an unusual ability to translate client intent into execution without losing a single detail. The reason clients renew.
LinkedIn
Basanta Kumar Panda
Proposed Independent Director
Basanta Kumar Panda
Ex Senior General Manager, Reserve Bank of India
35 years at the RBI across banking supervision, NBFC regulation, FEMA, and payment systems. Post-retirement: Advisor at KPMG and EY, Internal Ombudsman for a foreign bank and an NBFC. Brings deep regulatory wisdom to CRAFT governance.
Contact
What Drives Us

Our commitments to every
NBFC we work with.

🎯
Domain First
Every product is built for NBFC lending — not adapted from generic banking content. MSME, AHFC, MFI, Gold Loans. We know the segment before we build the tool.
📱
Field First
Our tools are designed for people who work on the move — mobile-native, vernacular-ready, and accessible even with low bandwidth in Tier 2 and 3 markets.
📊
P&L Accountable
Every intervention we deliver maps to a business outcome — reduced attrition, faster ramp-up, better file quality, lower branch risk. We measure what matters to the MD.
Course Subscription Library

200+ Hours of
NBFC-Ready Training.

120+ courses per lending vertical — Collections, Credit, Sales, Compliance, Softskills, Management Development, and Vedic Wisdom workshops. Common library across MSME Lending and Affordable Housing Finance.

✓ MSME Lending — 120 Courses ✓ Affordable Housing Finance — 120 Courses ✓ Common library across both verticals
AI-Powered · Now Live

Your NBFC field staff
deserve a smarter co-pilot.

When your field staff hit a wall on the ground — a product query, a compliance doubt, a customer objection — sahAIta gives them the right answer instantly. In their language. Without calling the office.

The Problem

Your field staff are making decisions without the right information.

A loan officer meets a customer. A credit question comes up they were not trained for. They call the branch manager — who is in a meeting. They guess. They lose the file, or give wrong information that comes back as a complaint.

This happens dozens of times a day across every branch. It costs files, compliance, and credibility.

● Online — Always
Customer says our rate is higher than XYZ Finance. What do I say?
Acknowledge first — do not argue. Then pivot to what matters: approval speed, flexibility on income proof, and post-disbursement service.

Ask: "What matters more to you — rate or certainty of approval?" Most informal income customers value certainty more.
इसे हिंदी में बताओ
बिल्कुल। ग्राहक से कहें:

"सर, हमारी ब्याज दर थोड़ी ज़्यादा लग सकती है — लेकिन यहाँ आपको मिलता है तेज़ अप्रूवल, कम कागज़ी झंझट, और लोन के बाद भी पूरी सपोर्ट।"

फिर पूछें: "आपके लिए क्या ज़्यादा ज़रूरी है — थोड़ी कम ब्याज, या पक्का अप्रूवल?"

ज़्यादातर ग्राहक अप्रूवल की certainty को प्राथमिकता देते हैं।
What sahAIta Does

Real-time intelligence.
Zero dependency on the office.

💬
On-Field Q&A
Instant answers on products, processes, eligibility, and compliance — without calling the branch manager.
🌐
Vernacular Support
Hindi, Marathi, Tamil, Telugu, Bengali and more. Field staff get answers in the language they think in.
🏗️
Your Knowledge Base
Trained on your specific products, processes, and policies. Not generic banking knowledge — your playbook.
Request a Demo

See sahAIta answer
your team's real questions.

We set up the demo using your actual product context — answers specific to your NBFC, not a generic script.

  • Customised to your products and processes
  • Vernacular-ready from day one
  • Zero technical setup for your team
  • Live within days of sign-off
Request sahAIta Demo
Branch Health System

Know who is about to leave
before they tell you.

An attrition prediction and intervention system built for NBFC field sales organisations. Identifies flight risk months before the resignation — and tells you exactly what to do about it.

The Problem

You are spending crores every year on attrition you could have prevented.

100%+ annual field sales attrition is industry standard in Indian NBFCs. Most organisations only know an RM is leaving when the resignation arrives. By then, the pipeline is gone, the relationship is gone, and the replacement cycle starts again.

The costliest case — a high performer planning to leave — shows no obvious signals until they have already accepted another offer.

What BHS Does
🔍
Predict
Identifies who is at risk of leaving 3 to 6 months before the resignation letter.
🎯
Diagnose
Tells you whether the problem is the RM or the supervisor — with data, not gut feel.
⚡
Intervene
Triggers specific, time-bound interventions with assigned owners. Accountability that informal awareness never creates.
💰
Measure
Gives the CHRO and MD a monthly financial exposure figure — attrition risk in rupees, not percentages.
Visibility for Every Level

Built for every layer of
your organisation.

📊
CHRO & MD
Org-wide risk distribution, financial exposure in rupees, and supervisor quality rankings — updated every month.
🗺️
Cluster Heads
Their cluster only. Branch manager quality scores, high-performer flight risk flags, and pending interventions.
👤
Branch Managers
Their team only. Top risk flag per RM, specific intervention with deadline, and monthly calibration alerts.
Start a Conversation

See what BHS finds
in your branches.

We will walk you through a demo using anonymised field data — so you see exactly what BHS surfaces and how the intervention engine works.

  • Pilot structured state-by-state
  • Minimal effort from your HR team to set up
  • First findings presented to leadership within weeks
  • Financial exposure calculated to your actual cost structure
Request a BHS Demo
Pratham — Talent Solutions

Hire right.
From day one.

Two assessment tools built for NBFC frontline hiring — one for fresher roles, one for lateral hires. Both designed to reveal actual behaviour before the offer letter goes out.

Pratham Smart Hire · Fresher Hiring

Most fresher attrition happens in months 1–3. The hire was wrong from the start.

Gut-feel hiring and generic aptitude tests cannot tell you how a 21-year-old will behave under field pressure, handle rejection, or stay motivated without supervision. Interviews can be coached. Behaviour cannot.

Pratham Smart Hire uses an animated Hindi scenario-based story — not a test — to reveal actual behavioural fit before joining.

What HR Gets
→Mobile-first — candidate takes it on their phone, anywhere
→Animated Hindi story format — reveals real behaviour, not rehearsed answers
→Auto-scored — Hire / Evaluate / Reject recommendation instantly
→Benchmarked against your own top performers — not a generic score
→Full data downloadable per candidate as Excel
Pratham PsychScreen · Lateral Hiring

Experienced candidates know exactly how to interview well.

A lateral hire with 3 years of experience knows what to say in an interview. Their CV looks right. Their references check out. But behavioural fit for your culture, your pressure, your management style — that is invisible until they have been on payroll for 60 days.

Pratham PsychScreen is a psychometric assessment calibrated for NBFC field roles — revealing how a lateral hire will actually behave, not just how they present.

What It Reveals
→Actual behavioural profile — not what they claim about themselves
→Culture and pressure fit — calibrated for NBFC field reality
→Flight risk indicators — before they join, not after
→Structured interview guide generated from their profile gaps
Get Started

Stop hiring on gut feel.
Start hiring on data.

Tell us your hiring volume and segment. We will show you how Pratham can be deployed for your team within a week.

  • Works for both fresher and lateral hiring
  • No IT integration required
  • Instant results — no manual scoring
  • Pilot on existing team first to build your benchmark
Request a Pratham Demo
Managed L&D Service

Your entire L&D function.
Handled.

On a fixed monthly retainer, we run your NBFC's complete Learning & Development function — content, delivery, coordination, and reporting. You focus on business. We handle the learning.

The Problem

Most NBFCs manage L&D through good intentions.

HR is stretched thin. Training happens ad-hoc — whoever is available runs the induction. Compliance training happens just before the audit. Product training is a WhatsApp forward.

The result: uneven capability across branches, compliance gaps, and new joiners who become productive too slowly.

What We Take Off Your Plate
✓
Training Needs Analysis
We map your team structure and skill gaps before building anything.
✓
Monthly Training Calendar
Planned, scheduled, and coordinated — inductions, refreshers, compliance.
✓
Content & Delivery
We build and deploy — on your LMS or ours. No content backlog, no delay.
✓
MIS Reporting
Monthly completion rates, assessment scores, and learning effectiveness to leadership.
Who This Is For

NBFCs that want L&D
without the overhead.

🚀
Fast-Growing NBFCs
Scaling branches and hiring fast. Training needs to keep pace without building an L&D team from scratch.
📋
Compliance-Heavy Segments
AML, POSH, Fair Practices Code, KFS — regulatory training managed, tracked, and audit-ready. Always.
🌍
Multi-Location Teams
Spread across districts and states. Training that reaches them on their phones, in their language, on schedule.
Get Started

Let us design your
L&D retainer.

Tell us your team size, segment, and biggest training challenge. We will propose a scope within 48 hours.

  • Monthly retainer from ₹30,000 — scales with your team
  • No long-term lock-in for initial engagement
  • Works with your existing LMS or we provide one
  • Dedicated CRAFT point of contact throughout
Request a Proposal
✅

We have got your
request.

Thank you for reaching out to C.R.A.F.T Academia. Your enquiry has been sent directly to our team.

What happens next:
Kasturi or Debraj will respond personally within 24 hours to confirm a demo time or share a proposed scope.
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