Oolka

Oolka provides an AI-driven credit management platform for Indian consumers that combines personalized insights with actionable automation. The product includes a Credit Builder tool to raise credit scores, account aggregation to manage all bank accounts in one place, automatic EMI payment capabilities with cashback rewards, and integration with Bharat Bill Pay. Oolka operates a credit marketplace in partnership with banks and uses autonomous AI agents to monitor accounts, identify inaccuracies or inactive accounts, negotiate with lenders, and recommend remedial actions to improve users' credit health.